Natural hazards · Elm Grove

Elm Grove, ND natural hazards

Most of the natural-hazard damage FEMA expects in Elm Grove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1997.

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

Expected damage

How exposed is Elm Grove?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elm Grove to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves28%Hail13%Tornadoes7%Everything else14%

By hazard

What Elm Grove faces

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

Inland flooding

39% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Cold waves

28% of expected damage

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

Recorded about 22 times a year in the area

Hail

13% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 4 years in the area

Lower here

Ice 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 Elm Grove flood?

Every paid claim on a federal flood insurance policy in Elm Grove, from FEMA’s records.

10paid claims since 1997

$102Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grand Forks County.

Disasters that hit Elm Grove

Federal disasters declared here

None of the disasters declared for Grand Forks County shows FEMA aid or repair money reaching Elm Grove itself in FEMA’s records.

Brought FEMA money into Elm GroveDeclared for Grand Forks County only

Grand Forks County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Elm Grove

Elm Grove and the towns around it

Very lowLowModerateHighVery high

Agnesmostly inland floodingHigh

Elm Grovemostly inland floodingLow

Hegtonmostly inland floodingLow

Niagaramostly inland floodingLow

Larimoremostly inland floodingLow

Arvillamostly 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. Elm Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elm Grove’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elm Grove. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Elm Grove total about $1.7M a year, counting buildings, people and crops.

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.