Natural hazards · Bradford

Bradford, MN natural hazards

Most of the natural-hazard damage FEMA expects in Bradford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1997.

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

Expected damage

How exposed is Bradford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bradford to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes14%Cold waves7%Strong wind6%Everything else12%

By hazard

What Bradford faces

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

Inland flooding

60% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

14% of expected damage

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

Recorded about once every 27 years in the area

Cold waves

7% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 10 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 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 Bradford flood?

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

2paid claims since 1997

$20Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Isanti County.

Disasters that hit Bradford

Federal disasters declared here

None of the disasters declared for Isanti County shows FEMA aid or repair money reaching Bradford itself in FEMA’s records.

Brought FEMA money into BradfordDeclared for Isanti County only

Isanti County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Bradford

Bradford and the towns around it

Very lowLowModerateHighVery high

Stanfordmostly inland floodingHigh

Spencer Brookmostly inland floodingHigh

Springvalemostly inland floodingHigh

Bradfordmostly inland floodingModerate

Isantimostly inland floodingModerate

Cambridgemostly inland floodingModerate

Isantimostly 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. Bradford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bradford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bradford. 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 Bradford total about $1.9M 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.