Natural hazards · Cloverleaf

Cloverleaf, MN natural hazards

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

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

Expected damage

How exposed is Cloverleaf?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverleaf to be higher than in 95% of U.S. communities, mostly from inland flooding.

Inland flooding80%Drought8%Everything else12%

By hazard

What Cloverleaf faces

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

Inland flooding

80% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Drought

8% of expected damage

Recorded about 23 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Cloverleaf flood?

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

of all homes
are insured

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

Insurance rates: Pennington County.

Disasters that hit Cloverleaf

Federal disasters declared here

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

Brought FEMA money into CloverleafDeclared for Pennington County only

Pennington County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around Cloverleaf

Cloverleaf and the towns around it

Very lowLowModerateHighVery high

Cloverleafmostly inland floodingVery high

Goodridgemostly inland floodingVery high

Kratkamostly inland floodingVery high

Silvertonmostly inland floodingVery high

Grand Plainmostly droughtHigh

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