Natural hazards · Coleraine

Coleraine, MN natural hazards

Most of the natural-hazard damage FEMA expects in Coleraine comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coleraine?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coleraine to be higher than in 20% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves55%Inland flooding29%Strong wind6%Heat waves6%Everything else5%

By hazard

What Coleraine faces

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

Cold waves

55% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

29% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 3 years in the area

Strong wind

6% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Coleraine flood?

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

of all homes
are insured

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

Insurance rates: Itasca County.

Disasters that hit Coleraine

2 federal disasters brought FEMA money here

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

Brought FEMA money into ColeraineDeclared for Itasca County only

2012

Severe Storms and Flooding

$4K to the City of Coleraine for repairs

1999

Severe Storms, Winds, and Flooding

$7K to the City of Coleraine for repairs

Itasca County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Coleraine

Coleraine and the towns around it

Very lowLowModerateHighVery high

La Prairiemostly cold wavesLow

Arbomostly cold wavesLow

Taconitemostly cold wavesLow

Boveymostly cold wavesLow

Grand Rapidsmostly cold wavesLow

Colerainemostly cold wavesLow

Trout Lakemostly cold wavesLow

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