Natural hazards · Clover

Clover, MN natural hazards

Most of the natural-hazard damage FEMA expects in Clover 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 Clover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding68%Cold waves19%Everything else13%

By hazard

What Clover faces

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

Inland flooding

68% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Cold waves

19% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Clover flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pine County.

Disasters that hit Clover

Federal disasters declared here

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

Brought FEMA money into CloverDeclared for Pine County only

Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Clover

Clover and the towns around it

Very lowLowModerateHighVery high

Arlonemostly cold wavesLow

Clovermostly inland floodingLow

Ogemamostly inland floodingLow

Danforthmostly inland floodingLow

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