Natural hazards · Godfrey

Godfrey, MN natural hazards

Most of the natural-hazard damage FEMA expects in Godfrey comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Godfrey?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Godfrey to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves27%Drought9%Tornadoes5%Everything else16%

By hazard

What Godfrey faces

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

Inland flooding

44% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

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

Recorded about 21 times a year in the area

Drought

9% of expected damage

Recorded about 7 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 6 years in the area

Lower here

HailIce 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 Godfrey flood?

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

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Godfrey

Federal disasters declared here

None of the disasters declared for Polk County shows FEMA aid or repair money reaching Godfrey itself in FEMA’s records.

Brought FEMA money into GodfreyDeclared for Polk County only

Polk County has had 27 natural disasters declared since 1953, most often floods and severe storms.

Around Godfrey

Godfrey and the towns around it

Very lowLowModerateHighVery high

Godfreymostly inland floodingHigh

Garfieldmostly inland floodingHigh

Grove Park-Tildenmostly inland floodingHigh

Onstadmostly inland floodingHigh

Woodsidemostly inland floodingLow

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