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Natural hazards · Eldorado

Eldorado, MN natural hazards

Most of the natural-hazard damage FEMA expects in Eldorado comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Eldorado?

27
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eldorado to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves19%Hail18%Strong wind9%Tornadoes8%Everything else6%
By hazard

What Eldorado faces

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

Inland flooding

40% of expected damage
Below average · higher than 43% of U.S. places
Recorded about once every 3 years in the area

Cold waves

19% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 14 times a year in the area

Hail

18% of expected damage
Below average · higher than 37% of U.S. places
Recorded about 4 times a year in the area

Strong wind

9% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

8% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 3 years 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 Eldorado flood?

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

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into EldoradoDeclared for Stevens County only
2023

Severe Storms and Flooding

$32K to the Township of Eldorado for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$22K to the Township of Eldorado for repairs
2011

Severe Storms and Flooding

$14K to the Township of Eldorado for repairs
2009

Severe Storms and Flooding

$25K to the Township of Eldorado for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$31K to the Township of Eldorado for repairs
Stevens County has had 16 natural disasters declared since 1953, most often floods and severe storms.
Around Eldorado

Eldorado and the towns around it

Dollymount: Moderate, mostly inland floodingLogan: Moderate, mostly inland floodingEverglade: Low, mostly inland floodingDonnelly: Low, mostly inland floodingPepperton: Low, mostly inland floodingClifton: Moderate, mostly inland floodingLeonardsville: Moderate, mostly inland floodingCroke: Moderate, mostly inland floodingHerman: Moderate, mostly inland floodingMacsville: Moderate, mostly inland floodingGorton: Moderate, mostly inland floodingBaker: Low, mostly inland floodingDonnelly: Low, mostly inland floodingRendsville: Low, mostly inland floodingMorris: Low, mostly inland floodingEldorado: Low, mostly inland flooding EldoradoDollymountLoganEvergladeDonnellyPepperton
Very lowLowModerateHighVery high
Dollymountmostly inland floodingModerate
Loganmostly inland floodingModerate
Eldoradomostly inland floodingLow
Everglademostly inland floodingLow
Donnellymostly inland floodingLow
Peppertonmostly 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. Eldorado 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 Eldorado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Eldorado. 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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