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Natural hazards · Crate

Crate, MN natural hazards

Most of the natural-hazard damage FEMA expects in Crate comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Crate?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crate to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves15%Tornadoes8%Heat waves7%Strong wind5%Everything else9%
By hazard

What Crate faces

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

Inland flooding

56% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 2 years in the area

Cold waves

15% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 13 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 10 years in the area

Heat waves

7% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Strong wind

5% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 3 times a year in the area

Lower here

HailIce 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 Crate flood?

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

of all homes
are insured
No community discount. Crate isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chippewa County.
Disasters that hit Crate

4 federal disasters brought FEMA money here

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

Brought FEMA money into CrateDeclared for Chippewa County only
2023

Severe Storms and Flooding

$55K to the Township of Crate for repairs
2014

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

$46K to the Township of Crate for repairs
2011

Severe Storms and Flooding

$774 to the Township of Crate for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$5K to the Township of Crate for repairs
Chippewa County has had 17 natural disasters declared since 1953, most often floods and severe storms.
Around Crate

Crate and the towns around it

Havelock: Moderate, mostly inland floodingLouriston: Moderate, mostly inland floodingLone Tree: High, mostly inland floodingStoneham: High, mostly inland floodingLeenthrop: Moderate, mostly inland floodingRosewood: Moderate, mostly inland floodingGrace: Moderate, mostly inland floodingWoods: Moderate, mostly inland floodingDublin: Moderate, mostly inland floodingRaymond: Low, mostly inland floodingRheiderland: High, mostly inland floodingEdwards: Low, mostly inland floodingClara City: High, mostly inland floodingGranite Falls: Moderate, mostly inland floodingSparta: High, mostly inland floodingCrate: High, mostly inland flooding CrateHavelockLouristonLone TreeStonehamLeenthrop
Very lowLowModerateHighVery high
Cratemostly inland floodingHigh
Lone Treemostly inland floodingHigh
Stonehammostly inland floodingHigh
Havelockmostly inland floodingModerate
Louristonmostly inland floodingModerate
Leenthropmostly inland floodingModerate
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. Crate 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 Crate’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Crate. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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