Natural Disaster Risk — ZIP Code 68932
Campbell, Nebraska
Risk Summary for ZIP 68932
ZIP 68932 scores 5.1/10 (Moderate risk), above 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: ZIP 68932, Nebraska
Located in the interior eastern United States, ZIP 68932 serves the Campbell community. The semi-arid continental climate of this part of Nebraska — bringing hot summers, cold winters, and open-terrain wind exposure — directly shapes the hazard exposure for properties in this postal area.
ZIP 68932's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include wind and drought.
Relative to other U.S. communities, ZIP 68932's natural disaster risk is above the U.S. national average of 4.5/10, near the 4.8/10 state average. The hazard distribution here is led by hail and wind, as measured by FEMA across Nebraska. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 68932'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 ZIP 68932: Hail preparedness
- 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.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Risk for the surrounding area
Local Factors for ZIP 68932
These city-level factors differentiate ZIP 68932 from other communities in Nebraska County and provide geographic context for its hazard exposure.
Population
355
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.8/10
Coordinates
40.3026° N, 98.7385° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 68932
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Nebraska
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.