Risk Index · Douglas County · 2026-06-13
Omaha, NE real-estate risk
- Risk score
- 95.9/100
- Relatively High
- Expected annual loss
- $234M
- all hazards, county-wide
- Buildings-only loss
- $153M
- what owners and insurers carry
- Population
- 584K
- Douglas County
Omaha, NE (Douglas County) carries a FEMA National Risk Index score of 95.9/100, rated "Relatively High" and driven mainly by strong wind and hail, with roughly $234M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99.5
- Hail99.5
- Tornado99.4
- Heat wave97.5
- Riverine flood95.1
- Wildfire88.8
- Drought62.1
- Earthquake52.7
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.
Omaha risk questions
Is Omaha, NE a high-risk area for real estate?
Omaha scores 95.9/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $234M per year.
What is the biggest natural hazard in Omaha?
The highest-rated hazard is strong wind (99.5/100), followed by hail (99.5/100).
How does hazard risk affect property insurance in Omaha?
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.