Photo: Paul McDonald · CC BY-SA 3.0Concordia’s building-damage rate from hail is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Concordia gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #77 of 151 in Kansas. Most of that expected damage is river and rain flooding (52%), then hail (16%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Concordia 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
Hail
Tornadoes
Strong wind
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.
What’s behind Concordia’s grade
River and rain flooding is 52% of the building damage FEMA expects in Concordia, and Concordia’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Hail adds 16%, at a rate in the top 4% of U.S. census tracts.
B− #77 of 151 in Kansas; higher expected damage per building than 54% of U.S. towns (21,298).
Concordia’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Kansas town has higher expected damage than 54% of U.S. towns; within the state, Concordia has more expected damage per building than 51% of Kansas towns.
In dollars, FEMA expects about $3.0M a year in losses across Concordia: $1.9M to buildings, the rest to people and crops.
Does Concordia flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Concordia. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Concordia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cloud County.5 federal disasters brought FEMA money to Concordia
Disasters that paid out in Concordia itself (aid to households or repair grants to the City of Concordia), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$40K to the City of Concordia for repairs
- 2021Severe Storms and Straight Line Winds$8K to the City of Concordia for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding,landslides,and Mudslides$3K to the City of Concordia for repairs
- 2010Severe Storms, Flooding, and Tornadoes$25K to the City of Concordia for repairs
- 2007Severe Winter Storms$64K to the City of Concordia for repairs
Cloud County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Concordia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Concordia archive →Concordia and its neighbors
Concordia has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Concordia | B−more damage than 54% | river and rain flooding | 0 |
| Lincoln Township | — | 317 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Concordia faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Concordia
Is Concordia at risk for natural disasters?
On FEMA’s National Risk Index, Concordia has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #77 of 151 in Kansas. Most of the expected damage is river and rain flooding (52%) and hail (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Concordia 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 Cloud County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Concordia?
FEMA’s Community Rating System list shows no discount for Concordia’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 Concordia?
By FEMA money that reached Concordia, Severe Winter Storms (2007): $64K to the City of Concordia for repairs.
Is Concordia at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and Concordia’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Concordia.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Concordia’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.