Photo: Andrew Filer from Seattle (ex-Minneapolis) · CC BY-SA 2.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than Crosby, mostly from river and rain flooding
On FEMA’s National Risk Index, Crosby gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (52%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Crosby 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
Winter storms
Ice storms
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); winter storms is FEMA’s “Winter Weather” (snow, sleet and freezing rain). 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.
What’s behind Crosby’s grade
River and rain flooding is 52% of the building damage FEMA expects in Crosby, and Crosby’s rate of river and rain flooding damage is among the lowest of U.S. census tracts. Winter storms add 12%, at a rate in the top 1% of U.S. census tracts.
A+ among the lowest expected damage per building of U.S. towns (21,298).
All of Crosby’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Crosby: $669K to buildings, the rest to people and crops.
Does Crosby flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crosby. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
The storms Crosby remembers
None of the 14 disasters declared for Divide County shows FEMA aid or repair money reaching Crosby itself in FEMA’s records, so these are its biggest flood-claim years.
Divide County has had 14 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.
Crosby and its neighbors
Crosby has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Crosby | A+among the lowest damage | river and rain flooding | 0 |
| Fillmore Township | — | 17 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Crosby 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.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Crosby
Is Crosby at risk for natural disasters?
On FEMA’s National Risk Index, Crosby has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (52%) and tornadoes (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crosby 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.
How much is flood insurance in Crosby?
FEMA’s Community Rating System list shows no discount for Crosby’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Crosby at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and Crosby’s rate for it is among the lowest of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crosby.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crosby’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.