Natural Disaster Risk — ZIP Code 69346
Harrison, Nebraska
Risk Summary for ZIP 69346
ZIP 69346 scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Drought.
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 69346, Nebraska
Located in the Great Plains, ZIP 69346 serves the Harrison 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 69346's overall natural disaster risk is rated 3.6/10 (Low) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include wildfire and tsunami.
Relative to other U.S. communities, ZIP 69346's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 4.8/10 state average. The hazard distribution here is led by drought and wildfire, as measured by FEMA across Nebraska. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 69346 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — drought — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for ZIP 69346: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Risk for the surrounding area
Local Factors for ZIP 69346
These city-level factors differentiate ZIP 69346 from other communities in Nebraska County and provide geographic context for its hazard exposure.
Population
480
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.4/10
Coordinates
42.6646° N, 103.8065° 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 69346
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.