Property Atlas

County hazard profile

Lancaster, NE

Nebraska · pop. 322,200 · FIPS 31109

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$115M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (36th percentile)

national median $15M/yr Lancaster $115M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 90.74/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 14.76/100
national median ~50 among the lowest nationally
Community resilienceVery High 96.56/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lancaster

The National Flood Insurance Program has paid 313 flood-insurance claims totaling $3.0M in Lancaster since 1978. The costliest year was 2015 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $51,430 paid 1979: $2,381 paid 1980: $0 paid 1981: $313 paid 1982: $1,738 paid 1983: $5,087 paid 1984: $46,510 paid 1986: $0 paid 1987: $487 paid 1989: $2,899 paid 1990: $0 paid 1992: $3,496 paid 1993: $29,076 paid 1995: $0 paid 1996: $10,652 paid 1998: $11,086 paid 2000: $0 paid 2001: $0 paid 2002: $14,404 paid 2003: $32,369 paid 2004: $547 paid 2005: $0 paid 2007: $30,880 paid 2008: $123,363 paid 2010: $9,948 paid 2011: $17,944 paid 2013: $5,130 paid 2014: $53,270 paid 2015: $2,367,593 paid 2016: $55,259 paid 2017: $3,220 paid 2018: $2,208 paid 2019: $0 paid 2020: $98,275 paid 2021: $0 paid 2023: $0 paid 2024: $11,595 paid 2015 · $2.4M 1978 2024
$3.0M
total paid
$9,556
average claim
$1.0M
largest single claim
67%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Lancaster, NE and where it ranks among U.S. counties. It is not a verdict on whether Lancaster is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.