Natural hazards · Grey Cloud Island

Grey Cloud Island, MN natural hazards

Most of the natural-hazard damage FEMA expects in Grey Cloud Island comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Grey Cloud Island?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grey Cloud Island to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes28%Strong wind15%Cold waves14%Hail7%Everything else7%

By hazard

What Grey Cloud Island faces

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

Inland flooding

30% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

28% of expected damage

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

Recorded about once every 61 years in the area

Strong wind

15% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 9 times a year in the area

Hail

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Grey Cloud Island flood?

FEMA's records show no paid flood insurance claims in Grey Cloud Island.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Grey Cloud Island

Federal disasters declared here

None of the disasters declared for Washington County shows FEMA aid or repair money reaching Grey Cloud Island itself in FEMA’s records.

Brought FEMA money into Grey Cloud IslandDeclared for Washington County only

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

Around Grey Cloud Island

Grey Cloud Island and the towns around it

Very lowLowModerateHighVery high

Cottage Grovemostly inland floodingLow

Inver Grove Heightsmostly inland floodingLow

St. Paul Parkmostly inland floodingLow

Grey Cloud Islandmostly 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. Grey Cloud Island 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 Grey Cloud Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Grey Cloud Island. 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.