Natural hazards · Albany

Albany, MN natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2011. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Albany?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes15%Cold waves7%Strong wind7%Hail6%Everything else4%

By hazard

What Albany faces

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

Inland flooding

61% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 32 years in the area

Cold waves

7% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 13 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Albany flood?

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

1paid claims since 2011

$3Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Albany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Stearns County.

Disasters that hit Albany

1 federal disaster brought FEMA money here

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

Brought FEMA money into AlbanyDeclared for Stearns County only

2022

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

$27K to the Township of Albany for repairs

Stearns County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Albany

Albany and the towns around it

Very lowLowModerateHighVery high

Farmingmostly inland floodingModerate

Krainmostly inland floodingModerate

Albanymostly inland floodingModerate

Oakmostly inland floodingModerate

Avonmostly 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. Albany covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Albany’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Albany. 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 Albany total about $2.3M 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.