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Natural hazards · Andover

Andover, MN natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 23 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Andover?

84
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 84% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves25%Drought8%Hail5%Everything else9%
By hazard

What Andover faces

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

Inland flooding

54% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 2 times a year in the area

Cold waves

25% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 21 times a year in the area

Drought

8% of expected damage
Recorded about 6 times a year in the area

Hail

5% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 4 times a year in the area

Lower here

TornadoesIce 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 Andover flood?

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

23paid claims since 1978
$422Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 1 claim, $9K
of all homes
are insured
No community discount. Andover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Polk County.
Disasters that hit Andover

9 federal disasters brought FEMA money here

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

Brought FEMA money into AndoverDeclared for Polk County only
2022

Severe Storms, Straight-Line Winds, and Flooding

$12K to the Township of Andover for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$15K to the Township of Andover for repairs
2011

Severe Storms and Flooding

$1K to the Township of Andover for repairs
2010

Flooding

$3K to the Township of Andover for repairs
2009

Severe Storms and Flooding

$5K to the Township of Andover for repairs
2006

Flooding

$5K to the Township of Andover for repairs
2002

Severe Storms, Flooding and Tornadoes

$44K to the Township of Andover for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$9K to the Township of Andover for repairs
1999

Severe Ice Storm and Flooding

$4K to the Township of Andover for repairs
Polk County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Andover

Andover and the towns around it

Fairfax: High, mostly inland floodingRoome: Very high, mostly inland floodingCrookston: High, mostly inland floodingLowell: Very high, mostly inland floodingKertsonville: High, mostly inland floodingCrookston: Very high, mostly inland floodingRussia: Very high, mostly inland floodingTynsid: Very high, mostly inland floodingFisher: Very high, mostly inland floodingFanny: Very high, mostly inland floodingAndover: Very high, mostly inland flooding AndoverFairfaxRoomeCrookstonLowell
Very lowLowModerateHighVery high
Andovermostly inland floodingVery high
Roomemostly inland floodingVery high
Lowellmostly inland floodingVery high
Fairfaxmostly inland floodingHigh
Crookstonmostly 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. Andover covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Andover’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Andover. 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 Andover total about $4.5M 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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