Natural Disaster Risk in Elsmere
Nebraska
Risk Summary for Elsmere
Elsmere scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Elsmere, Nebraska
Elsmere, in Cherry County, is a small unincorporated community situated in the Great Plains. 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 Elsmere residents and property owners must navigate.
Elsmere's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Secondary hazards include drought and landslide.
Within Nebraska, Elsmere's risk is, near the 4.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Cherry County identifies wildfire as the foremost hazard, followed by drought and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Elsmere 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 Elsmere: Wildfire preparedness
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
Local Factors for Elsmere
These city-level factors differentiate Elsmere from other communities in Cherry County and provide geographic context for its hazard exposure.
Population
29
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.0/10
Coordinates
42.2111Β° N, 100.3103Β° W
Cherry 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 Elsmere
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Elsmere
Other cities in Nebraska
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.