How risky is Cloud County for natural disasters?

FEMA rates Cloud County very low for overall natural hazard risk, with expected losses of $7.41M a year. The highest-rated hazards are hail (relatively moderate), ice storm (relatively moderate), winter weather (relatively moderate).

What storms are most common in Cloud County?

Since 1996, NOAA recorded 655 storm events affecting Cloud County, most often hail (287), thunderstorm wind (193), winter storm (33).

How many tornadoes have hit Cloud County?

53 tornadoes have been recorded in Cloud County since 1950, including 4 rated F3/EF3 or stronger.

How many homes in Cloud County have flood insurance?

14 residential flood insurance policies are in force in Cloud County, covering about 0.3% of homes. The program has paid $35K on 2 claims here since 1978.

What is the weather like in Cloud County?

At Concordia MUNI AP, average highs reach 90°F in Jul and lows fall to 19°F in Jan, with 28.4 inches of rain a year (1991-2020 normals).

Risk: Very Low

Cloud County, KS Environment & Hazard Risk

Very Low natural hazard risk, led by hail. 655 storm events since 1996.

Expected yearly loss: $7.41M; Very Low nationally
Storm events since 1996: 655; Most often hail
Flood insurance policies: 14; 0.3% of homes
Hurricanes nearby: 0; Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 20.2 of 100

Social vulnerability

Relatively Low

Score 39.1 of 100

Community resilience

Very High

Score 94.8 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $3.29B · Agriculture value exposed: $99.78M · Risk-adjusted yearly loss: $7.6M

Risk by hazard

HailRelatively Moderate$1.11M/yr expected annual loss, about 8.4 events a year
Ice stormRelatively Moderate$480K/yr expected annual loss, about once every 1 year
Winter weatherRelatively Moderate$128K/yr expected annual loss, about 11 events a year
Strong windRelatively Moderate$846K/yr expected annual loss, about 5.1 events a year
WildfireVery Low$99.46K/yr expected annual loss, about once every 1,895 years
Heat waveRelatively Low$358K/yr expected annual loss, about 11 events a year
TornadoRelatively Low$1.17M/yr expected annual loss, about once every 2 years
DroughtRelatively Low$30.47K/yr expected annual loss, about 3.5 events a year
LightningRelatively Low$110K/yr expected annual loss, about 46 events a year
Cold waveRelatively Low$343K/yr expected annual loss, about 3.0 events a year
EarthquakeVery Low$23.55K/yr expected annual loss, about once every 1,718 years
LandslideVery Low$39/yr expected annual loss, about once every 7 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance: 14 of 5,250 (0.3%)
Homes in high-risk flood zones: 344
Insured in high-risk zones: 10 (3%)
Flood claims since 1978: 2
Claims paid since 1978: $35K

Flood claims paid per year

Storm history

Since 1996: 655 events, 0 deaths, $2.56M in damage

Hail287
Thunderstorm Wind193
Winter Storm33
Tornado18
Flash Flood16
Heavy Snow15
High Wind15
Winter Weather11
Drought11
Heat10

Events per year

53 tornadoes on record (EF0 7, EF1 3, F0 17, F1 12, F2 7, F3 3, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

TornadoF2, 5 mi path, 200 yd wide05/30/2004
Jamestown, Cloud County
$2.1M damage
What happened
A tornado touched down 4 miles westnorthwest of Jamestown and moved eastnorteast before dissipating 3 miles northnorthwest of Jamestown. Large trees and power poles were downed. A number of farms along the route had significant damage.
Ice Storm01/25/2004
Cloud
2 injured
What happened
A car struck 2 emergency vehicles pulling another vehicle out of a ditch. two people in the car were injured; the 54 year old female driver and her 54 year old husband who was a passenger in the car. The incident occurred on U.S. Highway 81 1 mile south of Concordia.
Ice Storm01/17/2003
Cloud
2 injured
What happened
Icy roads caused the driver of a vehicle to lose control 18 miles south of Concordia resulting in injuries to the female driver and a male passenger.
TornadoF1, 4 mi path, 200 yd wide05/29/2004
Jamestown, Cloud County
$175K damage

Latest storm reports

Newest first

Hail2" hail06/13/2026
Ames, Cloud County
Hail1.75" hail06/13/2026
Rice, Cloud County
Hail1" hail05/18/2026
Miltonvale, Cloud County
Hail1" hail05/18/2026
Miltonvale, Cloud County
Hail1" hail05/18/2026
Miltonvale, Cloud County
Tornado1.27 mi path, 30 yd wide05/18/2026
Miltonvale, Cloud County
Hail1" hail05/18/2026
Jamestown, Cloud County
Thunderstorm Wind59 kt wind05/18/2026
(Cnk)blosser Apt Con, Cloud County

Drinking water

7 community water systems serve about 7,364 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

Concordia, City ofServes 5,032 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
Clyde, City ofServes 687 · Groundwater · Local governmentNo health violations
Cloud Co Rwd 1Serves 473 · Groundwater · Local governmentNo health violations+4 monitoring or reporting
Miltonvale, City ofServes 444 · Groundwater · Local governmentNo health violations
Glasco, City ofServes 441 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
Jamestown, City ofServes 234 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
Aurora, City ofServes 53 · Groundwater · Local governmentNo health violations+2 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Concordia MUNI AP, 5.9 mi from the county center

Summer highs peak around 90°F in Jul and winter lows bottom out near 19°F in Jan. About 28.4 inches of rain falls in a typical year, with 19.3 inches of snow.

Month	High	Low	Rain	Snow
Jan	39°F	19°F	0.67 in	5.4 in
Feb	44°F	22°F	0.86 in	5.2 in
Mar	55°F	32°F	1.53 in	1.6 in
Apr	65°F	41°F	2.53 in	0.4 in
May	75°F	52°F	4.34 in	-
Jun	86°F	63°F	3.83 in	-
Jul	90°F	67°F	4.15 in	-
Aug	88°F	65°F	3.49 in	-
Sep	80°F	57°F	2.80 in	-
Oct	68°F	44°F	1.98 in	0.3 in
Nov	53°F	31°F	1.16 in	1.9 in
Dec	41°F	22°F	1.04 in	4.5 in
Year	54°F average		28.4 in	19.3 in

Pollution sites

0 Superfund sites and 1 toxic release facility in Cloud County

Superfund sites

None in this county.

Toxic release facilities

Cloud Ceramics750 lbs released, Concordia

Total: 750 lbs in 2024, 0 lbs to air.

Superfund sites Toxic release facilities EPA inspections and enforcement Air toxics cancer risk 9 historic places

Frequently asked questions

How risky is Cloud County for natural disasters?: FEMA rates Cloud County very low for overall natural hazard risk, with expected losses of $7.41M a year. The highest-rated hazards are hail (relatively moderate), ice storm (relatively moderate), winter weather (relatively moderate).
What storms are most common in Cloud County?: Since 1996, NOAA recorded 655 storm events affecting Cloud County, most often hail (287), thunderstorm wind (193), winter storm (33).
How many tornadoes have hit Cloud County?: 53 tornadoes have been recorded in Cloud County since 1950, including 4 rated F3/EF3 or stronger.
How many homes in Cloud County have flood insurance?: 14 residential flood insurance policies are in force in Cloud County, covering about 0.3% of homes. The program has paid $35K on 2 claims here since 1978.
What is the weather like in Cloud County?: At Concordia MUNI AP, average highs reach 90°F in Jul and lows fall to 19°F in Jan, with 28.4 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

More about Cloud County

Data sources

National Risk IndexFederal Emergency Management Agency
OpenFEMA NFIP Policies and ClaimsFederal Emergency Management Agency
Storm Events DatabaseNOAA National Centers for Environmental Information
HURDAT2NOAA National Hurricane Center
U.S. Climate Normals 1991-2020NOAA National Centers for Environmental Information
Superfund Enterprise Management System (SEMS)U.S. Environmental Protection Agency
Toxics Release InventoryU.S. Environmental Protection Agency
Safe Drinking Water Information System (SDWIS)U.S. Environmental Protection Agency

Data as of 08/01/2026

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About this data

Environmental hazards and flood zones: Flood zones, hazard scores and pollution data come from federal and state agencies and are for general information only. They are not an official flood zone determination, environmental assessment or insurance rating. For a property decision, request an official determination from your community floodplain administrator, insurer or a licensed professional. Maps may not show recent changes.

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