Natural hazards · Elm Creek

Elm Creek, MN natural hazards

Most of the natural-hazard damage FEMA expects in Elm Creek comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elm Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elm Creek to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves16%Hail15%Tornadoes13%Drought12%Strong wind9%Everything else4%

By hazard

What Elm Creek faces

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

Inland flooding

31% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 11 times a year in the area

Hail

15% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 7 years in the area

Drought

12% of expected damage

Recorded about 12 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Elm Creek flood?

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

Disasters that hit Elm Creek

3 federal disasters brought FEMA money here

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

Brought FEMA money into Elm CreekDeclared for Martin County only

2018

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$9K to the Township of Elm Creek for repairs

2014

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

$6K to the Township of Elm Creek for repairs

2010

Severe Storms and Flooding

$19K to the Township of Elm Creek for repairs

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

Around Elm Creek

Elm Creek and the towns around it

Very lowLowModerateHighVery high

Enterprisemostly inland floodingModerate

Jaymostly inland floodingModerate

Manyaskamostly inland floodingModerate

Elm Creekmostly inland floodingLow

Fox Lakemostly inland floodingLow

Cedarmostly 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. Elm Creek 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 Elm Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Elm Creek. 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.