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Natural hazards · Adams

Adams, MN natural hazards

Most of the natural-hazard damage FEMA expects in Adams comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 11 claims here since 1999. 5 federal disasters brought FEMA money into town.

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

How exposed is Adams?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Adams to be higher than in 72% of U.S. communities, mostly from inland flooding and drought.

Inland flooding57%Drought16%Tornadoes13%Hail5%Everything else10%
By hazard

What Adams faces

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

Inland flooding

57% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Drought

16% of expected damage
Recorded about 23 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 6 years in the area

Hail

5% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Adams flood?

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

11paid claims since 1999
$149Kpaid to owners
0homes flooded more than once
19992026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Adams isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mower County.
Disasters that hit Adams

5 federal disasters brought FEMA money here

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

Brought FEMA money into AdamsDeclared for Mower County only
2010

Severe Storms and Flooding

$5K to the Township of Adams for repairs
2008

Severe Storms and Flooding

$20K to the Township of Adams for repairs
2004

Severe Storms and Flooding

$30K to the Township of Adams for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$23K to the Township of Adams for repairs
2000

Severe Storms and Flooding

$27K to the Township of Adams for repairs
Mower County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Adams

Adams and the towns around it

Marshall: High, mostly inland floodingLodi: High, mostly inland floodingNevada: High, mostly inland floodingDexter: High, mostly inland floodingElkton: High, mostly inland floodingWindom: High, mostly inland floodingClayton: Moderate, mostly inland floodingLe Roy: High, mostly inland floodingLyle: High, mostly inland floodingAdams: High, mostly inland flooding AdamsMarshallLodiNevada
Very lowLowModerateHighVery high
Adamsmostly inland floodingHigh
Marshallmostly inland floodingHigh
Lodimostly inland floodingHigh
Nevadamostly inland floodingHigh
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. Adams covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Adams’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Adams. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Adams total about $5.0M a year, counting buildings, people and crops.

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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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