Natural Disaster Risk in Saint Paul
Nebraska
Risk Summary for Saint Paul
Saint Paul 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 Paul, Nebraska
Saint Paul is a town of roughly 3,785 residents in Howard County, in the interior eastern United States. The area experiences hot summers, cold winters, and open-terrain wind exposure, with one of the most tornado-active spring seasons in the central US shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Saint Paul.
According to FEMA's National Risk Index, Saint Paul carries an overall risk score of 4.8/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to drought and wind.
Saint Paul's risk score, near the 4.8/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Howard County, the highest-scoring are hail, drought, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Saint Paul's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.
What this means for Saint Paul: Hail preparedness
- 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.
- Document roof and property condition annually to streamline any future hail claims.
Local Factors for Saint Paul
These city-level factors differentiate Saint Paul from other communities in Howard County and provide geographic context for its hazard exposure.
Population
3,785
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.2°
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
41.2470° N, 98.4515° 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 Paul
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Paul
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.