Natural hazards · Beaver

Beaver, MN natural hazards

Most of the natural-hazard damage FEMA expects in Beaver comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Beaver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beaver to be higher than in 49% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves31%Everything else11%

By hazard

What Beaver faces

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

Inland flooding

58% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Cold waves

31% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 14 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Beaver flood?

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

of all homes
are insured

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

Insurance rates: Aitkin County.

Disasters that hit Beaver

2 federal disasters brought FEMA money here

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

Brought FEMA money into BeaverDeclared for Aitkin County only

2012

Severe Storms and Flooding

$25K to the Township of Beaver for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$14K to the Township of Beaver for repairs

Aitkin County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around Beaver

Beaver and the towns around it

Very lowLowModerateHighVery high

Beavermostly inland floodingModerate

Salomostly inland floodingModerate

Millwardmostly inland floodingModerate

Rice Rivermostly inland floodingModerate

Split Rockmostly cold wavesLow

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. Beaver is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Beaver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Beaver. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.