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Natural hazards · Carver

Carver, MN natural hazards

Most of the natural-hazard damage FEMA expects in Carver comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 16 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Carver?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carver to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes17%Strong wind13%Cold waves12%Hail6%Heat waves5%Everything else3%
By hazard

What Carver faces

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

Inland flooding

44% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 19 years in the area

Strong wind

13% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 5 times a year in the area

Cold waves

12% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 10 times a year in the area

Hail

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 7 times a year in the area

Heat waves

5% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Carver flood?

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

16paid claims since 1979
$74Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Midwest Flooding: 6 claims, $5K
  • June Midwest Flooding: 1 claim, $5K
of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Carver is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Carver County.
Disasters that hit Carver

5 federal disasters brought FEMA money here

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

Brought FEMA money into CarverDeclared for Carver County only
2024

Severe Storms and Flooding

$123K to the City of Carver for repairs
2014

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

$221K to the City of Carver for repairs
2011

Severe Storms and Flooding

$244K to the City of Carver for repairs
2010

Flooding

$34K to the City of Carver for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$14K to the City of Carver for repairs
Carver County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Around Carver

Carver and the towns around it

Dahlgren: Low, mostly inland floodingLouisville: Low, mostly inland floodingChaska: Low, mostly inland floodingSan Francisco: Low, mostly inland floodingBenton: Low, mostly inland floodingLaketown: Low, mostly inland floodingJackson: Low, mostly inland floodingSand Creek: High, mostly inland floodingShakopee: Moderate, mostly inland floodingChanhassen: Low, mostly inland floodingVictoria: Low, mostly inland floodingSt. Lawrence: Moderate, mostly inland floodingBelle Plaine: Moderate, mostly inland floodingFaxon: Moderate, mostly inland floodingHancock: Low, mostly inland floodingCarver: Low, mostly inland flooding CarverDahlgrenLouisvilleChaskaSan Francisco
Very lowLowModerateHighVery high
Carvermostly inland floodingLow
Dahlgrenmostly inland floodingLow
San Franciscomostly inland floodingLow
Louisvillemostly inland floodingLow
Chaskamostly 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. Carver 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 Carver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Carver. 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.

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