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Perkins County CourthousePerkins County Courthouse · Photo: Ammodramus · CC0
B+Hazard risk
Natural hazards in Grant · FEMA

FEMA puts Grant’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Grant gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then hail (20%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 50%Hail 20%Tornadoes 17%

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

less than 68%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Nebraska · lower than 68% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 7 declared for Perkins County
By hazard

What Grant 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

50%of expected building damage
Well below average · lower than 81% of U.S. census tracts
Recorded about once every 3 years in the area

Hail

20%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 8 times a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about once every 2 years in the area

Strong wind

10%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Earthquakes Wildfire Winter storms Ice storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 20% of Grant’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Grant’s grade

River and rain flooding is 50% of the building damage FEMA expects in Grant, and Grant’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Hail adds 20%, at a rate in the top 5% of U.S. census tracts.

Where Grant sits
Grant
Least damageMiddleMost damage

B+ lower expected damage per building than 68% of U.S. towns (21,298).

All of Grant’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding50%Hail20%Tornadoes17%Everything else13%

In dollars, FEMA expects about $1.7M a year in losses across Grant: $455K to buildings, the rest to people and crops.

Shared tract.All of Grant’s 1,197 residents (2020 census) live in one census tract, which it shares with Madrid village (242 residents) and Venango village (157 residents) and Elsie village (102 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Grant flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Grant. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Grant isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Perkins County.
Disasters

2 federal disasters brought FEMA money to Grant

Disasters that paid out in Grant itself (aid to households or repair grants to the City of Grant), newest first, with that year’s flood claims.

  1. 2007Severe Storms and Flooding$2K to the City of Grant for repairs
  2. 2006Severe Winter Storms$4K to the City of Grant for repairs
Disasters declared, by decade
Paid out in GrantPerkins County only

Perkins County has had 7 natural disasters declared by the President since 1953, most often severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Grant after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Grant archive →
Be ready

Get ready for what Grant faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Grant

Is Grant at risk for natural disasters?

On FEMA’s National Risk Index, Grant has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (50%) and hail (20%). 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 Grant 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 Perkins County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Grant?

FEMA’s Community Rating System list shows no discount for Grant’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 Grant?

By FEMA money that reached Grant, Severe Winter Storms (2006): $4K to the City of Grant for repairs.

Is Grant at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Grant’s rate for it is lower than 81% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Grant.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grant’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.