Natural hazards · Culdrum

Culdrum, MN natural hazards

Most of the natural-hazard damage FEMA expects in Culdrum comes from inland flooding, and overall the risk is high 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 Culdrum?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Culdrum to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves5%Everything else21%

By hazard

What Culdrum faces

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

Inland flooding

74% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 13 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Culdrum flood?

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

of all homes
are insured

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

Insurance rates: Morrison County.

Disasters that hit Culdrum

2 federal disasters brought FEMA money here

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

Brought FEMA money into CuldrumDeclared for Morrison County only

2023

Severe Storms and Flooding

$4K to the Township of Culdrum for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$9K to the Township of Culdrum for repairs

Morrison County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Culdrum

Culdrum and the towns around it

Very lowLowModerateHighVery high

Culdrummostly inland floodingHigh

Flensburgmostly inland floodingHigh

Pike Creekmostly inland floodingHigh

Swanvillemostly inland floodingHigh

Brucemostly inland floodingModerate

Burnhamvillemostly inland floodingModerate

Parkermostly 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. Culdrum 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 Culdrum’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Culdrum. 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.