Photo: Bobak Ha'Eri · CC BY-SA 3.0Storms, floods and disasters in De Graff
De Graff isn’t graded for hazard risk: De Graff has 58 residents; we grade towns of 1,000 or more.
What De Graff faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does De Graff flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in De Graff. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
De Graff isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Swift County.1 federal disaster brought FEMA money to De Graff
Disasters that paid out in De Graff itself (aid to households or repair grants to the City of De Graff), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$2K to the City of De Graff for repairs
Swift County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of De Graff after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the De Graff archive →Get ready for what De Graff faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in De Graff
Is De Graff in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Swift County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in De Graff?
FEMA’s Community Rating System list shows no discount for De Graff’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in De Graff?
By FEMA money that reached De Graff, Severe Storms, Straight-line Winds, and Flooding (2013): $2K to the City of De Graff for repairs.
Storm stories
Memories, warnings and help from neighbors in De Graff.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where De Graff’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.