Natural Disaster Risk in Clearwater

Natural Hazard Profile: Clearwater, Nebraska

Located in the interior eastern United States in Antelope County, Clearwater is a small community of about 724. The semi-arid continental climate that characterizes this part of Nebraska — marked by hot summers, cold winters, and open-terrain wind exposure — directly influences the types and severity of natural hazards present, making Clearwater a community where hazard awareness has real practical value.

FEMA rates Clearwater's composite natural disaster risk at 5.0 out of 10 — moderate risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for drought and winter risk in their preparedness planning.

Relative to other U.S. communities, Clearwater's natural disaster risk is near the U.S. national average of 4.5/10, near the 4.8/10 state average. The hazard distribution here is led by hail and drought, as measured by FEMA across Antelope County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Clearwater's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.