Natural hazards · Chokio

Chokio, MN natural hazards

Most of the natural-hazard damage FEMA expects in Chokio comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chokio?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chokio to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves19%Hail18%Strong wind9%Tornadoes8%Everything else6%

By hazard

What Chokio faces

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

Inland flooding

40% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 3 years in the area

Cold waves

19% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 14 times a year in the area

Hail

18% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 3 years 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 Chokio flood?

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

of all homes
are insured

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

Insurance rates: Stevens County.

Disasters that hit Chokio

3 federal disasters brought FEMA money here

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

Brought FEMA money into ChokioDeclared for Stevens County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$30K to the City of Chokio for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$3K to the City of Chokio for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$17K to the City of Chokio for repairs

Stevens County has had 16 natural disasters declared since 1953, most often floods and severe storms.

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. Chokio 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 Chokio’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chokio. 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.