Natural Disaster Risk in Orchard
Nebraska
Risk Summary for Orchard
Orchard scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
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: Orchard, Nebraska
Orchard, in Antelope County, is a small community of about 819 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 Orchard residents and property owners must navigate.
Orchard's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include drought and winter.
Within Nebraska, Orchard'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 Antelope County identifies hail as the foremost hazard, followed by drought and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Orchard 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 hail is recommended.
What this means for Orchard: 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 Orchard
These city-level factors differentiate Orchard from other communities in Antelope County and provide geographic context for its hazard exposure.
Population
819
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.3/10
Coordinates
42.3988Β° N, 98.2318Β° W
Antelope 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 Orchard
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Orchard
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.