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Natural hazards · Alba

Alba, MN natural hazards

Most of the natural-hazard damage FEMA expects in Alba comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Alba?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alba to be higher than in 67% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves15%Tornadoes10%Hail8%Drought6%Everything else8%
By hazard

What Alba faces

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

Inland flooding

53% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 12 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 5 years in the area

Hail

8% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 5 times a year in the area

Drought

6% of expected damage
Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Alba flood?

FEMA's records show no paid flood insurance claims in Alba.

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into AlbaDeclared for Jackson County only
2024

Severe Storms and Flooding

$321K to the Township of Alba for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$25K to the Township of Alba for repairs
2018

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$33K to the Township of Alba for repairs
2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$4K to the Township of Alba for repairs
2010

Severe Storms and Flooding

$28K to the Township of Alba for repairs
Jackson County has had 16 natural disasters declared since 1953, most often floods and severe storms.
Around Alba

Alba and the towns around it

La Crosse: High, mostly inland floodingHersey: Moderate, mostly inland floodingWest Heron Lake: High, mostly inland floodingEwington: High, mostly inland floodingBrewster: Moderate, mostly inland floodingGraham Lakes: Moderate, mostly inland floodingWeimer: High, mostly inland floodingSpringfield: High, mostly inland floodingLorain: Moderate, mostly inland floodingElk: Moderate, mostly inland floodingHeron Lake: Moderate, mostly inland floodingRost: High, mostly inland floodingRound Lake: High, mostly inland floodingIndian Lake: Moderate, mostly inland floodingAlba: High, mostly inland flooding AlbaLa CrosseHerseyWest Heron LakeEwingtonBrewster
Very lowLowModerateHighVery high
Albamostly inland floodingHigh
La Crossemostly inland floodingHigh
West Heron Lakemostly inland floodingHigh
Ewingtonmostly inland floodingHigh
Herseymostly inland floodingModerate
Brewstermostly inland floodingModerate
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. Alba covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Alba’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Alba. 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 Alba total about $2.5M 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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