Risk Index · Lancaster County · 2026-06-13
Lincoln, NE real-estate risk
- Risk score
- 90.7/100
- Relatively Moderate
- Expected annual loss
- $115M
- all hazards, county-wide
- Buildings-only loss
- $73M
- what owners and insurers carry
- Population
- 322K
- Lancaster County
Lincoln, NE (Lancaster County) carries a FEMA National Risk Index score of 90.7/100, rated "Relatively Moderate" and driven mainly by strong wind and tornado, with roughly $115M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99.2
- Tornado98.8
- Hail98.8
- Wildfire93.7
- Riverine flood85.5
- Heat wave76.4
- Drought69.8
- Earthquake40.8
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Lincoln risk questions
Is Lincoln, NE a high-risk area for real estate?
Lincoln scores 90.7/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $115M per year.
What is the biggest natural hazard in Lincoln?
The highest-rated hazard is strong wind (99.2/100), followed by tornado (98.8/100).
How does hazard risk affect property insurance in Lincoln?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.