Natural hazards · Castle Rock

Castle Rock, MN natural hazards

Most of the natural-hazard damage FEMA expects in Castle Rock comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1998. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Castle Rock?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Castle Rock to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes20%Strong wind12%Cold waves7%Hail5%Everything else4%

By hazard

What Castle Rock faces

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

Inland flooding

52% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 86% of U.S. places

Strong wind

12% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 9 times a year in the area

Hail

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice 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 Castle Rock flood?

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

1paid claims since 1998

$5Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Castle Rock

1 federal disaster brought FEMA money here

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

Brought FEMA money into Castle RockDeclared for Dakota County only

2012

Severe Storms and Flooding

$12K to the Township of Castle Rock for repairs

Dakota County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Castle Rock

Castle Rock and the towns around it

Very lowLowModerateHighVery high

Farmingtonmostly inland floodingModerate

Hamptonmostly inland floodingModerate

Sciotamostly inland floodingModerate

Castle Rockmostly inland floodingModerate

Empiremostly inland floodingModerate

Eurekamostly 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. Castle Rock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Castle Rock’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Castle Rock. 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 Castle Rock total about $1.4M 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.