Natural hazards · Apple Valley

Apple Valley, MN natural hazards

Most of the natural-hazard damage FEMA expects in Apple Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2019. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Apple Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apple Valley to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes23%Strong wind13%Cold waves10%Hail6%Everything else5%

By hazard

What Apple Valley faces

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

Inland flooding

44% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 86% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

10% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 9 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 7 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 Apple Valley flood?

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

3paid claims since 2019

$15Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Apple Valley

2 federal disasters brought FEMA money here

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

Brought FEMA money into Apple ValleyDeclared for Dakota County only

2012

Severe Storms and Flooding

$44K to the City of Apple Valley for repairs

2000

Severe Storms and Flooding

$98K to the City of Apple Valley for repairs

Dakota County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Apple Valley

Apple Valley and the towns around it

Very lowLowModerateHighVery high

Lakevillemostly inland floodingModerate

Apple Valleymostly inland floodingLow

Rosemountmostly inland floodingLow

Eaganmostly inland floodingLow

Burnsvillemostly inland floodingVery low

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. Apple Valley covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Apple Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Apple Valley. 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 Apple Valley total about $15.9M 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.