🌍 ClimateRiskCheck

Natural Disaster Risk in Beatrice

Nebraska

6.0out of 10
High Risk

Risk Summary for Beatrice

Beatrice scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Strong Wind

All 18 Hazard Scores

Hail
9.0
Wildfire
8.2
Strong Wind
8.2
Ice Storm
8.2
Tornado
8.1
Winter Weather
8.1
Lightning
7.6
Drought
6.8
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.2
Earthquake
2.9
Cold Wave
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Beatrice
6.0
Nebraska avg.
4.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Beatrice, Nebraska

Beatrice, in Gage County, is a city of approximately 14,093 residents situated in the interior eastern United States. Its semi-arid continental climate brings hot summers, cold winters, and open-terrain wind exposure, and in particular one of the most tornado-active spring seasons in the central US. These conditions collectively define the natural hazard environment that Beatrice residents and property owners must navigate.

Beatrice's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include ice storm and wind.

Within Nebraska, Beatrice's risk is, slightly above the 4.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Gage County identifies hail as the foremost hazard, followed by ice storm and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Beatrice's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Beatrice: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Beatrice

These city-level factors differentiate Beatrice from other communities in Gage County and provide geographic context for its hazard exposure.

Population

14,093

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

40.2496Β° N, 96.7494Β° W

Gage County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Beatrice

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Beatrice

Other cities in Nebraska

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.