Natural hazards · Gilby

Gilby, ND natural hazards

Most of the natural-hazard damage FEMA expects in Gilby comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gilby?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilby to be higher than in 68% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves24%Hail9%Everything else11%

By hazard

What Gilby faces

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

Inland flooding

56% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

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

Recorded about 22 times a year in the area

Hail

9% of expected damage

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

Recorded about 4 times a year in the area

Lower here

TornadoesIce 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 Gilby flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gilby 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Gilby

1 federal disaster brought FEMA money here

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

Brought FEMA money into GilbyDeclared for Grand Forks County only

2000

Severe Storms, Flooding and Ground Saturation

$28K to the City of Gilby for repairs

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

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