Natural hazards · Gray

Gray, MN natural hazards

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

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

Expected damage

How exposed is Gray?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gray to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding41%Hail13%Cold waves13%Drought12%Tornadoes10%Everything else12%

By hazard

What Gray faces

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

Inland flooding

41% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Hail

13% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

13% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 12 times a year in the area

Drought

12% of expected damage

Recorded about 10 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 9 years in the area

Lower here

Ice 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 Gray flood?

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

of all homes
are insured

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

Insurance rates: Pipestone County.

Disasters that hit Gray

Federal disasters declared here

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

Brought FEMA money into GrayDeclared for Pipestone County only

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

Around Gray

Gray and the towns around it

Very lowLowModerateHighVery high

Graymostly inland floodingModerate

Elmermostly inland floodingModerate

Sweetmostly inland floodingModerate

Grangemostly inland floodingModerate

Rockmostly inland floodingModerate

Hatfieldmostly inland floodingModerate

Burkemostly inland floodingModerate

Pipestonemostly inland floodingVery 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. Gray 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 Gray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Gray. 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.