On FEMA’s figures, Offutt AFB faces less hazard damage per building than 69% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Offutt AFB gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns, #7 of 57 in Nebraska. Most of that expected damage is river and rain flooding (43%), then tornadoes (32%). Flood insurance has paid 1 claim here since 1984.
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 Offutt AFB 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
Tornadoes
Hail
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 Offutt AFB’s grade
River and rain flooding is 43% of the building damage FEMA expects in Offutt AFB, and Offutt AFB’s rate of river and rain flooding damage is lower than 89% of U.S. census tracts. Tornadoes add 32%, at a rate in the top 1% of U.S. census tracts.
B+ #7 of 57 in Nebraska; lower expected damage per building than 69% of U.S. towns (21,298).
Offutt AFB’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Nebraska town has higher expected damage than 66% of U.S. towns; within the state, Offutt AFB has less expected damage per building than 89% of Nebraska towns.
In dollars, FEMA expects about $2.4M a year in losses across Offutt AFB: $1.4M to buildings, the rest to people and crops.
Does Offutt AFB flood? Rarely: 1 flood claim since 1984
Every paid claim on a federal flood insurance policy in Offutt AFB, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Offutt AFB isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sarpy County.The storms Offutt AFB remembers
None of the 22 disasters declared for Sarpy County shows FEMA aid or repair money reaching Offutt AFB itself in FEMA’s records, so these are its biggest flood-claim years.
- 19841 flood claims paidThe year of Tornadoes and Flooding, declared for Sarpy County
Sarpy County has had 22 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 Offutt AFB after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Offutt AFB archive →Offutt AFB and its neighbors
Offutt AFB has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Offutt AFB | B+less damage than 69% | river and rain flooding | 1 |
| Bellevue | B−more damage than 50% | river and rain flooding | 96 |
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 Offutt AFB 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.
- 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.
- 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.
- 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 Offutt AFB
Is Offutt AFB at risk for natural disasters?
On FEMA’s National Risk Index, Offutt AFB has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk, #7 of 57 in Nebraska. Most of the expected damage is river and rain flooding (43%) and tornadoes (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Offutt AFB flood?
Flood insurance has paid 1 claim in Offutt AFB since 1984, $5K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.
Is Offutt AFB 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 Sarpy County, 36% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Offutt AFB?
FEMA’s Community Rating System list shows no discount for Offutt AFB’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Offutt AFB at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (43%), and Offutt AFB’s rate for it is lower than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Offutt AFB.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Offutt AFB’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.