Natural hazards · Gruver

Gruver, IA natural hazards

Most of the natural-hazard damage FEMA expects in Gruver comes from drought, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Gruver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gruver to be higher than in 44% of U.S. communities, mostly from drought and cold waves.

Drought46%Cold waves27%Inland flooding15%Everything else12%

By hazard

What Gruver faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Drought

46% of expected damage

Recorded about 9 times a year in the area

Cold waves

27% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 12 times a year in the area

Inland flooding

15% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Gruver flood?

FEMA's records show no paid flood insurance claims in Gruver.

of all homes
are insured

No community discount. Gruver isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Emmet County.

Disasters that hit Gruver

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Gruver itself: aid to households, or repair grants to the City of Gruver.

Brought FEMA money into GruverDeclared for Emmet County only

2024

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

4 households applied for aid $39K aid approved

Emmet County has had 17 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Gruver is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Gruver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gruver. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.