Nebraska
flood insurance data

NFIP premiums in Nebraska

NFIP premiums: what NFIP policyholders paid, not a quote. Across 5,935 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $928, and half of them fall between $674 (Q1) and $1,213 (Q3).

Residential NFIP policies counted by FEMA fell 26.8% between 2019 (8,105) and 2025 (5,935); the first year, 2019, has the highest count of the 7. With 5,935 residential NFIP policies effective 2025, Nebraska has the 15th fewest of 53 States and territories. The median NFIP premium in Nebraska, $928, is 12.0% below the national median ($1,055); it is the 13th lowest of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Nebraska is $904, 12.4% lower than outside it ($1,032); most of its zoned policies sit inside the SFHA (79.1%). Of the 4 zones listed (AE, X, A, AO), zone X has the highest median premium ($1,032) and zone AO the lowest ($856). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 5,935 policies.

NFIP paid building claims in Nebraska

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 1,335 paid claims; median $16,416, half of them between $5,760 (Q1) and $47,455 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $20,202, a monetary adjustment, not today’s cost of repair.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 41 flood, hurricane and severe-storm declarations (DR and EM) covering Nebraska, 39 of them major disaster declarations.

Nebraska counts 41 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 11th most of 53 States and territories. Severe Storm declarations are the most frequent (35), ahead of Flood (5) and Hurricane (1).

Latest declarations

• DR-4928: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-08-03)
• DR-4896: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING (Severe Storm, 2025-10-22)
• DR-4838: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2024-10-21)
• DR-4822: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2024-09-24)
• DR-4808: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2024-08-20)

FEMA assistance to homeowners

Since 2002: 6,842 owner registrations inspected by FEMA in Nebraska after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4420, SEVERE WINTER STORM, STRAIGHT-LINE WINDS, AND FLOODING (declared 2019-03-21): 4,161 inspections
• DR-1770, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2008-06-20): 1,532 inspections
• DR-4013, FLOODING (declared 2011-08-12): 510 inspections
• DR-1517, SEVERE STORMS, TORNADOES AND FLOODING (declared 2004-05-25): 357 inspections
• DR-4778, SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (declared 2024-05-03): 282 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 533 NFIP communities in Nebraska: 437 participate in the NFIP and 9 (1.7%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Lincoln, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Nebraska dates from 1975-07-11 (Thedford, Village of). 96 of these communities do not participate in the NFIP; 96 carry a sanction, 5 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in Nebraska

How much is flood insurance in Nebraska?

NFIP policyholders in Nebraska paid a median of $928 for residential policies effective 2025 (5,935 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $674 and $1,213; $904 inside the Special Flood Hazard Area against $1,032 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Nebraska had?

1,335 NFIP building claims were paid (year of loss 2015-2024), with a median of $16,416; the year with the most was 2019 (1,015), and the named event with the most was March 2019 Midwest Flooding (927). These are amounts paid, not repair cost.

Is Nebraska in a flood zone?

Of the residential NFIP policies of Nebraska (policies effective 2025), 4,695 are rated inside the Special Flood Hazard Area and 1,237 outside it (zones listed: AE, X, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Santee Indian Reservation (no match, 3 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).