Natural hazards · Granite

Granite, MN natural hazards

Most of the natural-hazard damage FEMA expects in Granite comes from inland flooding, and overall the risk is high 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 Granite?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granite to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves5%Everything else22%

By hazard

What Granite faces

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

Inland flooding

73% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 13 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Granite flood?

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

of all homes
are insured

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

Insurance rates: Morrison County.

Disasters that hit Granite

2 federal disasters brought FEMA money here

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

Brought FEMA money into GraniteDeclared for Morrison County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$8K to the Township of Granite for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$17K to the Township of Granite for repairs

Morrison County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Granite

Granite and the towns around it

Very lowLowModerateHighVery high

Granitemostly inland floodingHigh

Lastrupmostly inland floodingHigh

Buhmostly inland floodingHigh

Leighmostly inland floodingHigh

Pulaskimostly inland floodingHigh

Hillmanmostly inland floodingHigh

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