Natural hazards · Credit River

Credit River, MN natural hazards

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

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

Expected damage

How exposed is Credit River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Credit River to be higher than in 51% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding41%Strong wind20%Tornadoes18%Cold waves10%Everything else11%

By hazard

What Credit River faces

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

Inland flooding

41% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Strong wind

20% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 67 years in the area

Cold waves

10% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 10 times a year in the area

Lower here

HailIce 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 Credit River flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Scott County.

Disasters that hit Credit River

Federal disasters declared here

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

Brought FEMA money into Credit RiverDeclared for Scott County only

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

Around Credit River

Credit River and the towns around it

Very lowLowModerateHighVery high

Prior Lakemostly inland floodingModerate

Credit Rivermostly inland floodingModerate

Spring Lakemostly inland floodingModerate

Savagemostly inland floodingModerate

Lakevillemostly inland floodingModerate

New Marketmostly 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. Credit River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Credit River’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Credit River. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Credit River total about $1.9M a year, counting buildings, people and crops.

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.