Photo: Jared Winkler · CC BY-SA 4.0More hazard damage per building is expected in Wilber than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wilber gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (58%), then tornadoes (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 Wilber 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
Strong wind
Hail
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 Wilber’s grade
River and rain flooding is 58% of the building damage FEMA expects in Wilber, and Wilber’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 1% of U.S. census tracts.
C− higher expected damage per building than 80% of U.S. towns (21,298).
All of Wilber’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.7M a year in losses across Wilber: $1.1M to buildings, the rest to people and crops.
Does Wilber flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wilber. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wilber isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saline County.2 federal disasters brought FEMA money to Wilber
Disasters that paid out in Wilber itself (aid to households or repair grants to the City of Wilber), newest first, with that year’s flood claims.
- 2019Severe Winter Storm, Straight-line Winds, and Flooding1 households applied for aid$881 aid approved
- 2004Severe Storms, Tornadoes and Flooding40 households applied for aid$20K aid approved$94K to the City of Wilber for repairs
Saline County has had 18 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 Wilber after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wilber archive →Get ready for what Wilber 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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 Wilber
Is Wilber at risk for natural disasters?
On FEMA’s National Risk Index, Wilber has higher expected damage per building than 80% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (58%) and tornadoes (16%). 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 Wilber 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 Saline County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Wilber?
FEMA’s Community Rating System list shows no discount for Wilber’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 Wilber?
By FEMA money that reached Wilber, Severe Storms, Tornadoes and Flooding (2004): 40 households applied for aid, $20K approved, and $94K to the City of Wilber for repairs.
Is Wilber at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Wilber’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wilber.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wilber’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.