Natural Disaster Risk in Saint Libory
Nebraska
Risk Summary for Saint Libory
Saint Libory scores 4.8/10 (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
🏠 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 Libory, Nebraska
Saint Libory, in Howard County, is a small community of about 992 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 Libory residents and property owners must navigate.
Saint Libory's overall natural disaster risk is rated 4.8/10 (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 wind.
Within Nebraska, Saint Libory'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 Howard County identifies hail as the foremost hazard, followed by drought and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Saint Libory 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 hail is recommended.
What this means for Saint Libory: 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 Saint Libory
These city-level factors differentiate Saint Libory from other communities in Howard County and provide geographic context for its hazard exposure.
Population
992
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.9/10
Coordinates
41.0929° N, 98.3322° W
Howard 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 Libory
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Libory
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.