Natural hazards · McKinney

McKinney, ND natural hazards

Most of the natural-hazard damage FEMA expects in McKinney comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 34 claims here since 1979.

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

Expected damage

How exposed is McKinney?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McKinney to be higher than in 6% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding21%Winter weather5%Everything else18%

By hazard

What McKinney faces

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

Cold waves

57% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 22 times a year in the area

Inland flooding

21% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about once every 3 years in the area

Winter weather

5% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 19 times a year in the area

Lower here

TornadoesHailIce stormsHeat 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 McKinney flood?

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

34paid claims since 1979

$142Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 20 claims, $31K
Late spring storms: 3 claims, $91K
Winter storm: 1 claim, $818

of all homes
are insured

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

Insurance rates: Renville County.

Disasters that hit McKinney

Federal disasters declared here

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

Brought FEMA money into McKinneyDeclared for Renville County only

Renville County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around McKinney

McKinney and the towns around it

Very lowLowModerateHighVery high

Sauk Prairiemostly cold wavesVery low

McKinneymostly cold wavesVery low

Grovermostly cold wavesVery low

Hamletmostly cold wavesVery low

Rooseveltmostly cold wavesVery low

Fairbanksmostly cold wavesVery 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. McKinney 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 McKinney’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of McKinney. 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.