FEMA flood zones · Nebraska

Franklin County, Nebraska Flood Zone Map

2 flood insurance claims·$1,858 paid·3 federal flood & hurricane disasters

11% of Franklin County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Franklin County, Nebraska. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 1 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

In their words

8 NOAA storm reports from Franklin County describe what happened, in the words of the forecasters who covered it. Read the Nebraska flood stories →

Federal disasters

10 federal disaster declarations since 1967, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm, Straight-line Winds, And FloodingMar 9, 2019
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJun 14, 2014
Severe Winter StormsDec 19, 2006
Hurricane Katrina EvacueesAug 29, 2005
Severe Storms, Tornadoes And FloodingMay 20, 2004
Severe Snow Storms, Rain, And Strong WindsOct 24, 1997
Severe Storms And FloodingJun 23, 1993
Severe Storms & FloodingJul 18, 1967

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

9 since 1996: 5 flash floods and 4 river or area floods.

EventDateDamage
FloodMay 27, 2019$100,000
Flash FloodJul 8, 2019$100,000
FloodJun 16, 2013—
FloodAug 30, 2011$50,000
Flash FloodMay 29, 2008$20,000
Flash FloodMay 23, 2008$50,000
Flash FloodMay 18, 2004$15,000
FloodJul 4, 2000$500,000

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flood · May 27, 2019. Widespread flooding of low-lying areas, fields, creeks, and rivers continued. A large area of heavy rain fell due to multiple thunderstorm episodes on the nights of the 26th and 27th, and resulted in 3 to 5 inch totals over much of south central Nebraska. The swath of greatest rainfall amounts extended from Alma to Hastings to Columbus. This swath was surrounded by rainfall totals of 1 to 2 inches. The highest amo…

Flash Flood · Jul 8, 2019. Excessive rainfall, flash flooding, and severe winds occurred on this Monday afternoon and evening. Widely scattered thunderstorms began forming around 1 PM CST along and west of Highway 183. By 2 PM CST, a persistent line segment of thunderstorms began affecting western Dawson county. Over the following four hours, this southwest-northeast oriented line slowly crept east across Dawson county into western Buffalo…

Flood · Jun 16, 2013. Although much of South Central Nebraska observed showers and thunderstorms on this late Sunday afternoon and evening, severe weather in the form of hail, damaging winds and locally heavy rainfall mainly concentrated within a fairly narrow northwest-to-southeast corridor across western portions of the area. More specifically, severe storms primarily targeted western Sherman County, along with locations roughly 10-1…

Flood · Aug 30, 2011. Although severe weather in the form of hail or damaging winds was not an issue, thunderstorms, some producing flooding rains, were widespread across South Central Nebraska between the evening of Monday the 29th and pre-dawn hours of Tuesday the 30th. By far the heaviest rainfall targeted southern counties, generally between the Highway 6 corridor and the Kansas border, with amounts of 1.50 to 2.50 inches common. A…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Franklin County

If a building in Franklin County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.