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Natural hazards · Ada

Ada, MN natural hazards

Most of the natural-hazard damage FEMA expects in Ada comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 24 claims here since 1997. 8 federal disasters brought FEMA money into town.

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

How exposed is Ada?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ada to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves18%Drought9%Tornadoes7%Hail7%Strong wind6%Everything else5%
By hazard

What Ada faces

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

Inland flooding

49% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Cold waves

18% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 20 times a year in the area

Drought

9% of expected damage
Recorded about 4 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 years in the area

Hail

7% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 4 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Ada flood?

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

24paid claims since 1997
$223Kpaid to owners
1homes flooded more than once
19972026

Biggest named events

  • Winter storm: 2 claims, $5K
  • Torrential rain: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Ada isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Norman County.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared
1flood-prone homes bought out and moved
Disasters that hit Ada

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Ada itself: aid to households, or repair grants to the City of Ada.

Brought FEMA money into AdaDeclared for Norman County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$7K to the City of Ada for repairs
2010

Flooding

$29K to the City of Ada for repairs
2009

Severe Storms and Flooding

18 households applied for aid $24K aid approved $96K to the City of Ada for repairs
2006

Flooding

$18K to the City of Ada for repairs
2005

Severe Winter Storm

$13K to the City of Ada for repairs
2002

Severe Storms, Flooding and Tornadoes

$272K to the City of Ada for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$310K to the City of Ada for repairs
2000

Severe Storms and Flooding

$8K to the City of Ada for repairs
Norman County has had 28 natural disasters declared since 1953, most often floods and severe storms.
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. Ada 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 Ada’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ada. 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.

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