Natural Disaster Risk — ZIP Code 69134
Elsie, Nebraska
Risk Summary for ZIP 69134
ZIP 69134 scores 3.8/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 69134, Nebraska
ZIP 69134 in Elsie sits in the Great Plains. Its semi-arid continental climate produces hot summers, cold winters, and open-terrain wind exposure, and notably one of the most tornado-active spring seasons in the central US. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 69134 carries an overall risk score of 3.8/10, placing it in the low 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 tsunami.
Within Nebraska, ZIP 69134's risk is, slightly below the 4.8/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Nebraska identifies hail as the foremost hazard, followed by drought and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, ZIP 69134 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers hail — remains prudent for all residents.
What this means for ZIP 69134: 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.
Risk for the surrounding area
Local Factors for ZIP 69134
These city-level factors differentiate ZIP 69134 from other communities in Nebraska County and provide geographic context for its hazard exposure.
Population
327
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.8/10
Coordinates
40.8073° N, 101.3697° 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 69134
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.