Natural hazards · Gilbert

Gilbert, MN natural hazards

Most of the natural-hazard damage FEMA expects in Gilbert comes from cold waves, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gilbert?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilbert to be higher than in 6% of U.S. communities, mostly from cold waves.

Cold waves75%Inland flooding15%Everything else10%

By hazard

What Gilbert faces

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

Cold waves

75% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

15% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Gilbert flood?

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

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Gilbert

2 federal disasters brought FEMA money here

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

Brought FEMA money into GilbertDeclared for St. Louis County only

2024

Severe Storms and Flooding

25 households applied for aid $74K aid approved

1999

Severe Storms, Winds, and Flooding

$69K to the City of Gilbert for repairs

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Gilbert

Gilbert and the towns around it

Very lowLowModerateHighVery high

Fayalmostly cold wavesModerate

Biwabikmostly cold wavesLow

Virginiamostly cold wavesLow

Evelethmostly cold wavesVery low

Gilbertmostly cold wavesVery low

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. Gilbert covers 1 census tract, combined by population.

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

FEMA’s expected losses across Gilbert total about $1.5M a year, counting buildings, people and crops.

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.