🌍 ClimateRiskCheck

Natural Disaster Risk in Culbertson

Nebraska

4.3out of 10
Moderate Risk

Risk Summary for Culbertson

Culbertson scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Hail Strong Wind

All 18 Hazard Scores

Drought
8.0
Hail
7.5
Strong Wind
6.8
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.6
Avalanche
4.5
Wildfire
4.0
Tornado
3.4
Cold Wave
2.7
Hurricane
2.4
Extreme Heat
2.4
Lightning
2.4
Landslide
2.3
Earthquake
1.6
Riverine Flooding
1.0

How it compares

Culbertson
4.3
Nebraska avg.
4.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Culbertson, Nebraska

Located in the Great Plains in Hitchcock County, Culbertson is a small community of about 1,017. The semi-arid continental climate that characterizes this part of Nebraska β€” marked by hot summers, cold winters, and open-terrain wind exposure β€” directly influences the types and severity of natural hazards present, making Culbertson a community where hazard awareness has real practical value.

FEMA rates Culbertson's composite natural disaster risk at 4.3 out of 10 β€” moderate risk. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. Residents should also account for hail and wind risk in their preparedness planning.

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

With a moderate risk rating, Culbertson 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 drought is recommended.

What this means for Culbertson: Drought preparedness

  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.

Local Factors for Culbertson

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

Population

1,017

Small Town

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

Lower β€” moist climate limits wildfire frequency

Fire score: 4.0/10

Coordinates

40.2392Β° N, 100.8560Β° W

Hitchcock 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 Culbertson

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Culbertson

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.