🌍 ClimateRiskCheck

Natural Disaster Risk in Chadron

Nebraska

4.5out of 10
Moderate Risk

Risk Summary for Chadron

Chadron scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Drought Winter Weather

All 18 Hazard Scores

Wildfire
8.4
Drought
7.1
Winter Weather
6.8
Hail
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Lightning
4.3
Cold Wave
4.2
Landslide
4.0
Earthquake
3.4
Tornado
3.1
Ice Storm
2.9
Hurricane
2.4
Strong Wind
2.3
Extreme Heat
2.1
Riverine Flooding
1.0

How it compares

Chadron
4.5
Nebraska avg.
4.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Chadron, Nebraska

Chadron is a town of roughly 6,466 residents in Dawes County, in the Great Plains. The area experiences hot summers, cold winters, and open-terrain wind exposure, with one of the most tornado-active spring seasons in the central US shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Chadron.

FEMA rates Chadron's composite natural disaster risk at 4.5 out of 10 β€” moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for drought and winter risk in their preparedness planning.

Chadron's risk score, near the 4.8/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Dawes County, the highest-scoring are wildfire, drought, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Chadron residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Chadron: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Local Factors for Chadron

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

Population

6,466

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.4/10

Coordinates

42.8657Β° N, 102.9951Β° W

Dawes 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 Chadron

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chadron

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.