Saunders County flood history
Nebraska · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 259 flood insurance claims in Saunders County, Nebraska since 1978. The NFIP paid $4.3 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 1993, with 56.
In the last ten years (2017–2026) there were 53 claims, and the average paid claim was $51,276.
33% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 2.9% of homes in Saunders County, Nebraska had an NFIP flood policy in FEMA's latest count (364 of 12,691 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 30% (292 of 987).
Since 2000, FEMA has made 13 flood-related disaster declarations covering Saunders County, Nebraska. The most recent was DR-4896-NE (Severe Storms, Straight-Line Winds, and Flooding), declared October 22, 2025.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2024 | 4 | $124,309 |
| 2019 | 49 | $2.1 million |
| 2016 | 1 | $9,521 |
| 2015 | 5 | $363,348 |
| 2012 | 1 | $0 |
| 2010 | 4 | $64,071 |
| 2008 | 2 | $3,368 |
| 2007 | 4 | $27,774 |
| 2006 | 1 | $6,473 |
| 2002 | 1 | $286 |
| 2001 | 2 | $8,292 |
| 1999 | 2 | $25,373 |
| 1998 | 1 | $0 |
| 1997 | 42 | $805,947 |
| 1996 | 1 | $0 |
| 1994 | 3 | $3,914 |
| 1993 | 56 | $398,187 |
| 1990 | 2 | $11,270 |
| 1989 | 3 | $9,706 |
| 1987 | 4 | $12,107 |
| 1986 | 3 | $20,028 |
| 1984 | 42 | $266,927 |
| 1983 | 4 | $9,563 |
| 1982 | 6 | $37,954 |
| 1980 | 8 | $5,291 |
| 1979 | 2 | $1,552 |
| 1978 | 6 | $14,611 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| March 2019 Midwest Flooding | 2019 | 49 | $2.1 million |
| Midwest Flooding | 1993 | 14 | $71,608 |
How many homes have flood insurance
FEMA counts 364 residential NFIP policies in Saunders County, against 12,691 residential buildings (2.9%). Of the 987 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 292 have an NFIP policy (30%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4896-NE | Oct 22, 2025 | Severe Storms, Straight-Line Winds, and Flooding | No |
| DR-4838-NE | Oct 21, 2024 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4822-NE | Sep 24, 2024 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4808-NE | Aug 20, 2024 | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | No |
| DR-4420-NE | Mar 21, 2019 | Severe Winter Storm, Straight-Line Winds, and Flooding | Yes |
| DR-4225-NE | Jun 25, 2015 | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | No |
| DR-4179-NE | Jun 17, 2014 | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | No |
| DR-1945-NE | Oct 21, 2010 | Severe Storms, Flooding, Tornado, and Straight-Lin | No |
| DR-1924-NE | Jul 15, 2010 | Severe Storms and Flooding | No |
| DR-1779-NE | Jul 18, 2008 | Severe Storms, Straight-Line Winds, and Flooding | No |
| DR-1770-NE | Jun 20, 2008 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1706-NE | Jun 6, 2007 | Severe Storms, Flooding, and Tornadoes | No |
| DR-1517-NE | May 25, 2004 | Severe Storms, Tornadoes and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Nebraska.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.