Natural hazards · Bertha

Bertha, MN natural hazards

Most of the natural-hazard damage FEMA expects in Bertha comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bertha?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bertha to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding59%Cold waves10%Tornadoes8%Strong wind8%Everything else16%

By hazard

What Bertha faces

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

Inland flooding

59% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 2 years in the area

Cold waves

10% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 12 years in the area

Strong wind

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce 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 Bertha flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Todd County.

Disasters that hit Bertha

3 federal disasters brought FEMA money here

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

Brought FEMA money into BerthaDeclared for Todd County only

2022

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

$4K to the City of Bertha for repairs

2014

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

$7K to the City of Bertha for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$871 to the City of Bertha for repairs

Todd County has had 10 natural disasters declared since 1953, most often floods and severe storms.

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. Bertha 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 Bertha’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bertha. 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.