🌍 ClimateRiskCheck

Natural Disaster Risk in Gibbon

Nebraska

6.2out of 10
High Risk

Risk Summary for Gibbon

Gibbon scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Strong Wind Drought

All 18 Hazard Scores

Hail
9.9
Strong Wind
9.7
Drought
8.9
Ice Storm
8.3
Wildfire
7.8
Lightning
7.6
Tornado
7.5
Winter Weather
7.4
Extreme Heat
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
3.4
Landslide
3.3
Cold Wave
3.1
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Gibbon
6.2
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: Gibbon, Nebraska

Gibbon, in Buffalo County, is a town of roughly 2,624 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 Gibbon residents and property owners must navigate.

According to FEMA's National Risk Index, Gibbon carries an overall risk score of 6.2/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wind and drought.

Within Nebraska, Gibbon'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 Buffalo County identifies hail as the foremost hazard, followed by wind and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Gibbon'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 Gibbon: 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 Gibbon

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

Population

2,624

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.8/10

Coordinates

40.7573Β° N, 98.8803Β° W

Buffalo 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 Gibbon

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gibbon

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.