Natural hazards · Chester

Chester, MN natural hazards

Most of the natural-hazard damage FEMA expects in Chester comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Chester?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chester to be higher than in 32% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves29%Drought17%Wildfire6%Everything else15%

By hazard

What Chester faces

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

Inland flooding

35% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Cold waves

29% of expected damage

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

Recorded about 20 times a year in the area

Drought

17% of expected damage

Recorded about 14 times a year in the area

Wildfire

6% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Chester flood?

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

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Chester

Federal disasters declared here

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

Brought FEMA money into ChesterDeclared for Polk County only

Polk County has had 27 natural disasters declared since 1953, most often floods and severe storms.

Around Chester

Chester and the towns around it

Very lowLowModerateHighVery high

Lambertmostly inland floodingVery high

Equalitymostly inland floodingVery high

Chestermostly inland floodingLow

Hill Rivermostly inland floodingLow

Gullymostly inland floodingLow

Trailmostly 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. Chester 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 Chester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Chester. 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.