Storm risk in Sarpy County, Nebraska
FEMA's overall hazard score for Sarpy County is 83.59 (Relatively Moderate), 517th of 3,144 counties. Hail scores 96.98 (Relatively High), strong wind 96.25 (Relatively High) and tornado 97.17 (Relatively High). Expected hail loss is $145 per $1 million of buildings a year; NOAA logged 78 hail reports in Sarpy County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- Sarpy County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates Sarpy County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in NE |
|---|---|---|---|---|
| Overall | Relatively Moderate | 83.59 | 517 of 3,144 | 3 of 93 |
| Hail | Relatively High | 96.98 | 96 of 3,126 | 19 of 93 |
| Strong wind | Relatively High | 96.25 | 119 of 3,126 | 5 of 93 |
| Tornado | Relatively High | 97.17 | 90 of 3,126 | 3 of 93 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $5,434,612 | $145 | $175 | $22 | 319 of 3,126 | 58 of 93 |
| Strong wind | $1,733,699 | $46 | $74 | $20 | 877 of 3,121 | 64 of 93 |
| Tornado | $29,337,251 | $782 | $440 | $199 | 76 of 3,144 | 3 of 93 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in Sarpy County
- FEMA expects hail in Sarpy County to cost $145 per $1 million of buildings a year: 6.48 times the U.S. median and 0.83 times the NE county median, ranked 319th of 3,126 counties nationally and 58th of 93 in Nebraska.
- FEMA expects strong wind in Sarpy County to cost $46 per $1 million of buildings a year: 2.27 times the U.S. median and 0.63 times the NE county median, ranked 877th of 3,121 counties nationally and 64th of 93 in Nebraska.
- FEMA expects tornado in Sarpy County to cost $782 per $1 million of buildings a year: 3.93 times the U.S. median and 1.78 times the NE county median, ranked 76th of 3,144 counties nationally and 3rd of 93 in Nebraska.
- Applying FEMA's estimate to a $287,600 home, the average yearly loss in Sarpy County is about $42 for hail and $13 for wind before any deductible; at the U.S. median county rates it would be $6.43 and $5.86.
- If the next years look like 2014 to 2025, a roof kept 20 years in Sarpy County meets about 41.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1995, the median home in Sarpy County is 31 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 57.5% of its 75,293 homes are at least 26 years old.
- March to June holds 69 of the 78 hail reports in Sarpy County (88 percent); the quietest month is January, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies Sarpy County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × Sarpy County yearly loss ÷ building value. Hail: $5,434,612 ÷ $37,518,019,560 = 0.0001449. Wind: $1,733,699 ÷ $37,518,019,560 = 0.0000462. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
Sarpy County in plain numbers
- Sarpy County scores 83.59 in FEMA's overall hazard index (Relatively Moderate): 517th of 3,144 rated counties and 3rd of 93 in Nebraska.
- Hail scores 96.98 (Relatively High). FEMA expects $5,434,612 of hail damage to buildings in Sarpy County a year, which is $145 per $1 million of buildings, 6.48 times the U.S. median.
- Strong wind scores 96.25 (Relatively High) with $1,733,699 of expected yearly building loss in Sarpy County: $46 per $1 million of buildings, 2.27 times the U.S. median.
- Tornado scores 97.17 (Relatively High) and FEMA's expected yearly tornado loss is $29,337,251, counting everything exposed, or $782 per $1 million of buildings in Sarpy County.
- FEMA's own event record for Sarpy County averages 6.98 hail events and 4.34 strong-wind events a year.
- NOAA logged 78 hail reports in Sarpy County between 2014 and June 2026, on 28 days with stones of 1 inch or more; the largest was 4.5 inches.
- In Sarpy County, FEMA counts buildings worth 37.52 billion dollars and 190,379 residents.
- Social vulnerability is Very Low in Sarpy County.
- Community resilience there is Very High, for 190,379 residents.
- 1 city in Sarpy County is covered on this site: Bellevue. 13 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Bellevue is $6,090 to $13,485.
- Sarpy County ranks 20 of the 194 counties with a page here for hail loss per $1 million of buildings, 22 for wind and 6 for tornado.
- In Sarpy County, June is the busiest month with 42 of the 78 reports (54 percent), against 0 reports in December.
- Sarpy County's worst year was 2016, with 4 hail days at 1 inch or more and 10 reports. At the 2014 to 2025 pace that is 2.08 such days a year, one about every 5.8 months.
- The median home in Sarpy County was built in 1995; 30.4% of its 75,293 housing units date from before 1980, 57.5% from before 2000 and 19.6% from 2010 on.
- Census puts the median home value in Sarpy County at $287,600, and 70.6% of homes are lived in by their owners.
- 12,091 single-family building permits were issued in Sarpy County from 2014 to 2025, about 160.6 per 1,000 homes, peaking in 2021.
- NOAA lists 5 tornado tracks in Sarpy County since 2014; the strongest was an EF2 on June 16, 2017 near Ft Crook, 9.42 miles long.
- The fastest gust in NOAA's records for Sarpy County is 100 mph on July 31, 2024 at Gretna.
- The nearest county with a page here is Douglas County, 14 miles from the centre of Sarpy County; its hail score is 99.46.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 36 roofing contractor establishments in Sarpy County in 2023, one for every 2,091 homes.
- FEMA has named Sarpy County in 7 disaster declarations since 2014, the latest 482 days before its data end, and 5 of them were storm-type.
The hail record of Sarpy County, year by year
NOAA logged 78 reports in Sarpy County; hail of 1 inch or more fell on 28 days. That is 2.1 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: June, 42 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 6 | 3 | 1 | 1.75 in | – |
| 2015 | 3 | 2 | 0 | 1 in | – |
| 2016 | 10 | 4 | 1 | 1.75 in | – |
| 2017 | 19 | 2 | 1 | 2 in | – |
| 2018 | 7 | 1 | 1 | 2 in | – |
| 2019 | 2 | 1 | 0 | 1.25 in | – |
| 2020 | 2 | 2 | 0 | 1 in | – |
| 2021 | 5 | 2 | 0 | 1.25 in | – |
| 2022 | 4 | 3 | 0 | 1 in | – |
| 2023 | 5 | 2 | 0 | 1 in | – |
| 2024 | 6 | 3 | 3 | 4.5 in | – |
| 2026 (to June) | 9 | 3 | 0 | 1.25 in | – |
Biggest hail days in Sarpy County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| June 25, 2024 | 4.5 in | 2 | none recorded | South Omaha Arpt |
| June 12, 2024 | 2.75 in | 1 | none recorded | South Omaha Arpt |
| June 29, 2017 | 2 in | 17 | none recorded | Portal |
| June 11, 2018 | 2 in | 6 | none recorded | Gretna |
| April 26, 2024 | 2 in | 3 | none recorded | Papillion |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside Sarpy County the big stones fell.
Reported hail locations, Sarpy County
- 511 to 1.74 in
- 171.75 to 2.74 in, golf ball to tennis ball
- 22.75 in and up, baseball
Largest plotted stone: 4.5 in. Bigger dots are bigger stones.
70 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for Sarpy County
Fastest gusts in Sarpy County
| Date | Gust | Near |
|---|---|---|
| July 31, 2024 | 100 mph | Gretna |
| April 20, 2023 | 93 mph | Gretna |
| June 16, 2017 | 86 mph | La Platte |
| June 16, 2017 | 86 mph | J And J Arpt |
Strongest tornado tracks in Sarpy County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| June 16, 2017 | EF2 | 9.42 mi | 0 / 0 | Ft Crook |
| June 16, 2017 | EF1 | 4.86 mi | 0 / 0 | Ft Crook |
| May 24, 2024 | EF0 | 3.72 mi | 0 / 0 | Ft Crook |
| May 24, 2024 | EF0 | 0.48 mi | 0 / 0 | La Vista |
5 tornado tracks in all since 2014; the strongest 4 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Sarpy County’s 2014 to 2025 pace of 2.08 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 75,293 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1995 |
| Built before 1980 | 30.4% |
| Built before 2000 | 57.5% |
| Built since 2010 | 19.6% |
| Owner-occupied | 70.6% |
| Median home value | $287,600 |
| Single-family permits, 2014 to 2025 | 12,091 |
| Permits per 1,000 homes | 160.6 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in Sarpy County
Roofing firms in Sarpy County
| Roofing contractor establishments, 2023 | 36 |
| Change since 2016 | +18 (+100%) |
| Homes per roofing firm | 2,091 |
| Median across counties | 5,189 |
| Employees, 2023 | 130 |
Source for Sarpy County: Census County Business Patterns, NAICS 238160.
FEMA disaster declarations naming Sarpy County since 2014
| Declarations naming Sarpy County | 7 |
| Storm / flood / winter / fire | 5 / 1 / 1 / 0 |
| Median NE county | 4 |
| Rank among 85 NE counties | 12 |
| Days from the latest to the data cutoff | 482 |
Source for Sarpy County: OpenFEMA, data to 2026-09-15. Declaration list for Sarpy County.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Sarpy County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| Douglas County, NE | 14 | Relatively High | $192 | 1.33 | $43 | 0.92 | 198 |
| Lancaster County, NE | 37 | Relatively Moderate | $174 | 1.20 | $102 | 2.22 | 186 |
| Hall County, NE | 126 | Relatively Low | $208 | 1.44 | $34 | 0.74 | 85 |
| Buffalo County, NE | 156 | Relatively Low | $498 | 3.44 | $181 | 3.91 | 136 |
Cities and ZIP areas in Sarpy County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 13 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Bellevue | 68123 (100%), 68124 (0%), 68127 (0%), 68128 (100%) | Roofers |
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How high is storm risk in Sarpy County?
FEMA's National Risk Index gives Sarpy County an overall score of 83.59 (Relatively Moderate), 517th of 3,144. Hail scores 96.98 (Relatively High), strong wind 96.25 (Relatively High) and tornado 97.17 (Relatively High).
In Sarpy County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 78 for Sarpy County between 2014 and June 2026, on 28 days with hail of 1 inch or more; the largest stone was 4.5 inches.
What do hail and wind cost a home in Sarpy County each year, on average?
Applying FEMA's county rates to its median home value of $287,600: FEMA's estimate is about $42 a year for hail and $13 for wind, before any deductible, against $6.43 and $5.86 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does Sarpy County compare with the rest of Nebraska?
Per $1 million of buildings Sarpy County loses $145 to hail a year, against $175 in the median county of the state. Among 93 rated counties it is 19th for hail, 5th for strong wind and 3rd for tornado.
How old are the roofs in Sarpy County?
The median home was built in 1995, 31 years ago, and 57.5% of the 75,293 housing units in Sarpy County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for Sarpy County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Sarpy County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Sarpy County; Census County Business Patterns, roofing firms in Sarpy County; OpenFEMA, declarations naming Sarpy County. Planning-level information about Sarpy County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).