🌍 ClimateRiskCheck

Natural Disaster Risk in Scotia

Nebraska

4.5out of 10
Moderate Risk

Risk Summary for Scotia

Scotia scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Drought Strong Wind

All 18 Hazard Scores

Hail
9.4
Drought
8.5
Strong Wind
6.3
Wildfire
5.4
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Ice Storm
4.7
Avalanche
4.5
Tornado
3.4
Landslide
2.9
Hurricane
2.4
Cold Wave
2.4
Extreme Heat
2.0
Lightning
1.9
Earthquake
1.6
Riverine Flooding
1.0

How it compares

Scotia
4.5
Nebraska avg.
4.8
US national avg.
4.5

Live Conditions

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🏠 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: Scotia, Nebraska

Scotia, in Greeley County, is a small community of about 716 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 Scotia residents and property owners must navigate.

According to FEMA's National Risk Index, Scotia carries an overall risk score of 4.5/10, placing it in the moderate 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 drought and wind.

Within Nebraska, Scotia'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 Greeley 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, Scotia 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 Scotia: 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 Scotia

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

Population

716

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 41.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.4/10

Coordinates

41.5133Β° N, 98.6820Β° W

Greeley 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 Scotia

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Scotia

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.