Natural hazards · Grace

Grace, ND natural hazards

Most of the natural-hazard damage FEMA expects in Grace comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1996.

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

Expected damage

How exposed is Grace?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grace to be higher than in 20% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves40%Inland flooding25%Hail16%Tornadoes6%Everything else13%

By hazard

What Grace faces

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

Cold waves

40% of expected damage

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

Recorded about 22 times a year in the area

Inland flooding

25% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 2 times a year in the area

Hail

16% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 5 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 Grace flood?

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

3paid claims since 1996

$11Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grace 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 Grace

Federal disasters declared here

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

Brought FEMA money into GraceDeclared for Grand Forks County only

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

Around Grace

Grace and the towns around it

Very lowLowModerateHighVery high

Larimoremostly inland floodingLow

Gracemostly cold wavesLow

Logan Centermostly cold wavesLow

Lindmostly cold wavesLow

Avonmostly cold wavesLow

Lorettamostly cold wavesLow

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. Grace covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grace’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Grace. 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 Grace total about $1.1M 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.