FEMA flood zones · Nebraska

Kearney County, Nebraska Flood Zone Map

4 flood insurance claims·$6,349 paid·3 federal flood & hurricane disasters

14% of Kearney County’s area is in FEMA’s high-risk flood zones, and another 2% in shaded X (mostly the 0.2% floodplain and areas behind levees).

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 Kearney 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.

In their words

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

Federal disasters

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

DisasterBegan
Severe Storms, Straight-line Winds, And TornadoesDec 15, 2021
Severe Winter Storm, Straight-line Winds, And FloodingMar 9, 2019
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJun 14, 2014
Severe Storms, Tornadoes, And FloodingMay 22, 2008
Severe Storms And FloodingMay 28, 2007
Severe Winter StormsDec 19, 2006
Severe Winter StormNov 27, 2005
Hurricane Katrina EvacueesAug 29, 2005

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

Recorded flood events

11 since 1996: 7 flash floods and 4 river or area floods.

EventDateDamage
Flash FloodMay 2, 2021—
Flash FloodJul 8, 2019$100,000
FloodSep 26, 2013—
FloodOct 1, 2013$5,000
FloodJan 2, 2011—
Flash FloodJun 13, 2010$25,000
Flash FloodMay 29, 2008$25,000
Flash FloodMay 29, 2007$10,000

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

From the storm reports

Flash Flood · May 2, 2021. Slow moving front brought severe thunderstorms, including landspouts, and heavy rain to portions of south central Nebraska during the evening of May 2nd. A line of thunderstorms blossomed along a stationary front between 6-8PM CDT from southern Gosper County E to Adams County, then NE to Polk County. Once this activity developed, it remained nearly stationary until around 10PM CDT when an upper level disturbance a…

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 · Sep 26, 2013. During the second week of September, an upper-level low pressure system formed and became cut off from the mean flow over the Intermountain West. This low slowly migrated from near Las Vegas north to Idaho. Subtropical high pressure remained stationary over the Southern Plains. This configuration channeled a stream of anomalously high moisture into the Rockies. With surface high pressure essentially stationary ove…

Flood · Oct 1, 2013. A highly unusual, albeit minor and fairly low-impact episode of Platte River flooding that began in South Central Nebraska in late September continued into the first few days of October before river levels commenced a steadier drop. More specifically, minor flooding during the first few days of October primarily concentrated along the river through Buffalo and Hall counties (and the adjacent extreme northern borde…

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 Kearney County

If a building in Kearney 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.