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–Not graded
Natural hazards in Pacific Junction · FEMA

Storms, floods and disasters in Pacific Junction

Pacific Junction isn’t graded for hazard risk: Pacific Junction has 150 residents; we grade towns of 1,000 or more. Flood insurance has paid 10 claims here since 1984.

Flood claims
10
paid since 1984 · $1.1M
Disasters paid out here
5
of 17 declared for Mills County
By hazard

What Pacific Junction faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

70%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

16%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 9 years in the area

Hail

7%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about 7 times a year in the area
Smaller shares here
 Strong wind Ice storms Wildfire Winter storms Earthquakes Lightning Heat waves top 1% Cold waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 10% of Pacific Junction’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Pacific Junction flood? Sometimes: 10 flood claims since 1984

Every paid claim on a federal flood insurance policy in Pacific Junction, from FEMA’s records.

Paid flood claims, by year
1984: 2 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 3 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 4 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198419932019
19842026
Biggest named events
  • The March 2019 Midwest Flooding4 claims · $1.1M
  • The Midwest Flooding3 claims · $13K
10
paid claims since 1984
$1.1M
paid to owners
0
homes flooded more than once
$113K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Pacific Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mills County.
What’s been done with FEMA grants
319flood-prone properties bought out and cleared
Disasters

5 federal disasters brought FEMA money to Pacific Junction

Disasters that paid out in Pacific Junction itself (aid to households or repair grants to the City of Pacific Junction), newest first, with that year’s flood claims.

  1. 2024Severe Storms and Tornadoes4 households applied for aid$750 aid approved
  2. 2019Severe Storms and Flooding427 households applied for aid$8.8M aid approved$6.5M to the City of Pacific Junction for repairs4 flood claims paid that year
  3. 2011Flooding80 households applied for aid$221K aid approved$61K to the City of Pacific Junction for repairs
  4. 2008Severe Storms, Tornadoes, and Flooding35 households applied for aid$56K aid approved$66K to the City of Pacific Junction for repairs
  5. 2007Severe Storms, Flooding, and Tornadoes3 households applied for aid$3K aid approved$5K to the City of Pacific Junction for repairs
Disasters declared, by decade
Paid out in Pacific JunctionMills County only

Mills County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Pacific Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Pacific Junction archive →
Be ready

Get ready for what Pacific Junction faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Pacific Junction

Does Pacific Junction flood?

Flood insurance has paid 10 claims in Pacific Junction since 1984, $1.1M in all. The most claims came from March 2019 Midwest Flooding (4).

Is Pacific Junction in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Mills County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Pacific Junction?

FEMA’s Community Rating System list shows no discount for Pacific Junction’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Pacific Junction?

By FEMA money that reached Pacific Junction, Severe Storms and Flooding (2019): 427 households applied for aid, $8.8M approved, and $6.5M to the City of Pacific Junction for repairs. By flood claims, March 2019 Midwest Flooding: 4 paid, $1.1M.

Storm stories

Memories, warnings and help from neighbors in Pacific Junction.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pacific Junction’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.