Photo: Ammodramus · Public domainMore hazard damage per building is expected in Hebron than in 88% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Hebron gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (47%), then hail (18%). Flood insurance has paid 9 claims here since 1992.
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 stands out about Hebron’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hebron 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
Strong wind
Tornadoes
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 Hebron’s grade
River and rain flooding is 47% of the building damage FEMA expects in Hebron, and Hebron’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Hail adds 18%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 88% of U.S. towns (21,298).
All of Hebron’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.9M a year in losses across Hebron: $1.1M to buildings, the rest to people and crops.
Does Hebron flood? Rarely: 9 flood claims since 1992
Every paid claim on a federal flood insurance policy in Hebron, from FEMA’s records: 11.5 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding2 claims · $6K
Hebron isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Thayer County.1 federal disaster brought FEMA money to Hebron
Disasters that paid out in Hebron itself (aid to households or repair grants to the City of Hebron), newest first, with that year’s flood claims.
- 2003Severe Storms and Tornadoes$57K to the City of Hebron for repairs2 flood claims paid that year
Thayer County has had 21 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.
Old photos of Hebron after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hebron archive →Get ready for what Hebron 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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 Hebron
Is Hebron at risk for natural disasters?
On FEMA’s National Risk Index, Hebron has higher expected damage per building than 88% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (47%) and hail (18%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hebron flood?
Flood insurance has paid 9 claims in Hebron since 1992, $73K in all, or 11.5 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Midwest Flooding (2).
Is Hebron 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 Thayer County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Hebron?
FEMA’s Community Rating System list shows no discount for Hebron’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 Hebron?
By FEMA money that reached Hebron, Severe Storms and Tornadoes (2003): $57K to the City of Hebron for repairs. By flood claims, Midwest Flooding: 2 paid, $6K.
Is Hebron at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Hebron’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hebron.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hebron’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.