Natural hazards · Cologne

Cologne, MN natural hazards

Most of the natural-hazard damage FEMA expects in Cologne comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cologne?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cologne to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes17%Strong wind14%Cold waves9%Hail7%Everything else7%

By hazard

What Cologne faces

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

Inland flooding

46% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 23 years in the area

Strong wind

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 10 times a year in the area

Hail

7% of expected damage

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

Recorded about 7 times a year 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 Cologne flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carver County.

Disasters that hit Cologne

1 federal disaster brought FEMA money here

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

Brought FEMA money into CologneDeclared for Carver County only

2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$5K to the City of Cologne for repairs

Carver County has had 13 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. Cologne 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 Cologne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cologne. 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.