Natural hazards · Stony Brook

Stony Brook, MN natural hazards

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

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

Expected damage

How exposed is Stony Brook?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stony Brook to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves28%Tornadoes12%Hail6%Strong wind6%Everything else7%

By hazard

What Stony Brook 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

Below average · higher than 43% of U.S. places

Recorded about once every 2 years in the area

Cold waves

28% of expected damage

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

Recorded about 14 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 7 years in the area

Hail

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 3 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 Stony Brook flood?

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

of all homes
are insured

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

Insurance rates: Grant County.

Disasters that hit Stony Brook

Federal disasters declared here

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

Brought FEMA money into Stony BrookDeclared for Grant County only

Grant County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Stony Brook

Stony Brook and the towns around it

Very lowLowModerateHighVery high

Elbow Lakemostly inland floodingModerate

Stony Brookmostly inland floodingLow

Pomme de Terremostly inland floodingLow

Lawrencemostly inland floodingLow

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