Natural hazards · Bray

Bray, MN natural hazards

Most of the natural-hazard damage FEMA expects in Bray comes from inland flooding, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bray?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bray to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding70%Wildfire9%Cold waves7%Everything else14%

By hazard

What Bray faces

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

Inland flooding

70% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 2 years in the area

Wildfire

9% of expected damage

Well above average · higher than 97% of U.S. places

Cold waves

7% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 21 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

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 Bray flood?

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

of all homes
are insured

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

Insurance rates: Pennington County.

Disasters that hit Bray

4 federal disasters brought FEMA money here

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

Brought FEMA money into BrayDeclared for Pennington County only

2022

Severe Storms, Straight-Line Winds, and Flooding

$5K to the Township of Bray for repairs

2010

Flooding

$7K to the Township of Bray for repairs

2009

Severe Storms and Flooding

$11K to the Township of Bray for repairs

2002

Severe Storms, Flooding and Tornadoes

$3K to the Township of Bray for repairs

Pennington County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around Bray

Bray and the towns around it

Very lowLowModerateHighVery high

Brandtmostly inland floodingVery high

Braymostly inland floodingVery high

Numedalmostly inland floodingVery high

Sandersmostly inland floodingVery high

Polk Centremostly inland floodingVery high

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. Bray 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 Bray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bray. 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.