Natural Disaster Risk in Saint Helena
Nebraska
Risk Summary for Saint Helena
Saint Helena scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Saint Helena, Nebraska
Saint Helena, in Cedar County, is a small unincorporated community 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 Saint Helena residents and property owners must navigate.
Saint Helena's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include hail and wildfire.
Within Nebraska, Saint Helena'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 Cedar County identifies drought as the foremost hazard, followed by hail and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Saint Helena residents are well-served by maintaining standard preparedness practices — 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 Saint Helena: Drought preparedness
- 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.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Saint Helena
These city-level factors differentiate Saint Helena from other communities in Cedar County and provide geographic context for its hazard exposure.
Population
238
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.5/10
Coordinates
42.8140° N, 97.2775° W
Cedar 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 Saint Helena
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Helena
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.