TownTapestry
Sign inJoin
Black HammerGood night
Natural hazards · Black Hammer

Black Hammer, MN natural hazards

Most of the natural-hazard damage FEMA expects in Black Hammer comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Black Hammer?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black Hammer to be higher than in 55% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves16%Tornadoes12%Hail8%Everything else8%
By hazard

What Black Hammer faces

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

Inland flooding

55% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once a year in the area

Cold waves

16% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 7 years in the area

Hail

8% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Black Hammer flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Black Hammer isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Houston County.
Disasters that hit Black Hammer

6 federal disasters brought FEMA money here

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

Brought FEMA money into Black HammerDeclared for Houston County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$54K to the Township of Black Hammer for repairs
2016

Severe Storms and Flooding

$62K to the Township of Black Hammer for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

$164K to the Township of Black Hammer for repairs
2008

Severe Storms and Flooding

$44K to the Township of Black Hammer for repairs
2007

Severe Storms and Flooding

$26K to the Township of Black Hammer for repairs
2000

Severe Storms and Flooding

$32K to the Township of Black Hammer for repairs
Houston County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Black Hammer

Black Hammer and the towns around it

Caledonia: Moderate, mostly inland floodingSpring Grove: Moderate, mostly inland floodingPreble: Very high, mostly inland floodingYucatan: Very high, mostly inland floodingWilmington: Moderate, mostly inland floodingMayville: Low, mostly inland floodingCaledonia: Low, mostly inland floodingSheldon: Very high, mostly inland floodingSpring Grove: Moderate, mostly inland floodingNewburg: Very high, mostly inland floodingAmherst: Very high, mostly inland floodingNorway: Very high, mostly inland floodingMoney Creek: Very high, mostly inland floodingHouston: Very high, mostly inland floodingBlack Hammer: Moderate, mostly inland flooding Black HammerCaledoniaSpring GrovePrebleYucatan
Very lowLowModerateHighVery high
Preblemostly inland floodingVery high
Yucatanmostly inland floodingVery high
Black Hammermostly inland floodingModerate
Caledoniamostly inland floodingModerate
Spring Grovemostly 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. Black Hammer 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 Black Hammer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Black Hammer. 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.

We left the porch light on

Where to, neighbor?

You’re in Black Hammer, MNHouston CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Black Hammer is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map