Natural hazards · Cambridge

Cambridge, MN natural hazards

Most of the natural-hazard damage FEMA expects in Cambridge comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cambridge?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambridge to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes15%Cold waves7%Strong wind7%Everything else10%

By hazard

What Cambridge faces

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

Inland flooding

62% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

15% of expected damage

Above average · higher than 74% of U.S. places

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

7% 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 Cambridge flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cambridge 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 Cambridge

1 federal disaster brought FEMA money here

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

Brought FEMA money into CambridgeDeclared for Isanti County only

2011

Severe Storms, Flooding, and Tornadoes

$118K to the City of Cambridge for repairs

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

Around Cambridge

Cambridge and the towns around it

Very lowLowModerateHighVery high

Springvalemostly inland floodingHigh

Bradfordmostly inland floodingModerate

Cambridgemostly inland floodingModerate

Isantimostly inland floodingModerate

Cambridgemostly inland floodingLow

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. Cambridge covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Cambridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cambridge. 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 Cambridge total about $4.7M 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.