Natural hazards · Cokato

Cokato, MN natural hazards

Most of the natural-hazard damage FEMA expects in Cokato comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cokato?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cokato to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes17%Strong wind12%Hail8%Everything else10%

By hazard

What Cokato faces

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

Inland flooding

54% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 19 years in the area

Strong wind

12% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Hail

8% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Cokato flood?

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

2paid claims since 1980

$3Kpaid to owners

0homes flooded more than once

19802026

of all homes
are insured

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

Insurance rates: Wright County.

Disasters that hit Cokato

2 federal disasters brought FEMA money here

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

Brought FEMA money into CokatoDeclared for Wright County only

2002

Severe Storms, Flooding and Tornadoes

$20K to the City of Cokato for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$2K to the City of Cokato for repairs

Wright County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Cokato

Cokato and the towns around it

Very lowLowModerateHighVery high

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