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Natural hazards · Elmore

Elmore, MN natural hazards

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

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmore to be higher than in 54% of U.S. communities, mostly from inland flooding and drought.

Inland flooding39%Drought22%Cold waves13%Tornadoes10%Strong wind8%Hail6%Everything else3%
By hazard

What Elmore faces

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

Inland flooding

39% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once a year in the area

Drought

22% of expected damage
Recorded about 13 times a year in the area

Cold waves

13% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 11 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 7 years in the area

Strong wind

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 4 times a year in the area

Hail

6% of expected damage
Well above average · higher than 83% 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 Elmore flood?

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into ElmoreDeclared for Faribault County only
2024

Severe Storms and Flooding

9 households applied for aid $24K aid approved
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$30K to the City of Elmore for repairs
2014

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

$19K to the City of Elmore for repairs
2004

Severe Storms and Flooding

45 households applied for aid $75K aid approved
Faribault County has had 20 natural disasters declared since 1953, most often floods and severe storms.
Around Elmore

Elmore and the towns around it

Elmore: Moderate, mostly inland floodingBlue Earth City: High, mostly inland floodingPilot Grove: Moderate, mostly inland floodingRome: Moderate, mostly inland floodingElmore: Moderate, mostly inland flooding ElmoreElmore
Very lowLowModerateHighVery high
Elmoremostly inland floodingModerate
Elmoremostly 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. Elmore 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 Elmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elmore. 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/18 · 2025-01-01
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