Photo: Jared Winkler · CC BY-SA 4.0FEMA expects more hazard damage per building in Terrytown than in 68% of U.S. towns, led by hail
On FEMA’s National Risk Index, Terrytown gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is hail (49%), then river and rain flooding (42%). 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 Terrytown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
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 Terrytown’s grade
Hail is 49% of the building damage FEMA expects in Terrytown, and Terrytown’s rate of hail damage is in the top 1% of U.S. census tracts. Winter storms add 1%, at a rate in the top 1% of U.S. census tracts.
C higher expected damage per building than 68% of U.S. towns (21,298).
All of Terrytown’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $487K a year in losses across Terrytown: $288K to buildings, the rest to people and crops.
Does Terrytown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Terrytown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Terrytown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Scotts Bluff County.1 federal disaster brought FEMA money to Terrytown
Disasters that paid out in Terrytown itself (aid to households or repair grants to the City of Terrytown), newest first, with that year’s flood claims.
- 2011Flooding$10K to the City of Terrytown for repairs
Scotts Bluff County has had 7 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 Terrytown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Terrytown archive →Terrytown and its neighbors
Terrytown has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Terrytown | Cmore damage than 68% | hail | 0 |
| Scottsbluff | Cmore damage than 70% | hail | 23 |
| Gering | C−more damage than 78% | river and rain flooding | — |
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 Terrytown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Terrytown
Is Terrytown at risk for natural disasters?
On FEMA’s National Risk Index, Terrytown has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is hail (49%) and river and rain flooding (42%). 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.
Is Terrytown 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 Scotts Bluff County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Terrytown?
FEMA’s Community Rating System list shows no discount for Terrytown’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 Terrytown?
By FEMA money that reached Terrytown, Flooding (2011): $10K to the City of Terrytown for repairs.
Is Terrytown at risk from hail?
It is the largest share of the building damage FEMA expects here (49%), and Terrytown’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Terrytown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Terrytown’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.