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Natural hazards · Elmwood

Elmwood, MN natural hazards

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

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmwood to be higher than in 69% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding66%Cold waves16%Tornadoes7%Everything else11%
By hazard

What Elmwood faces

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

Inland flooding

66% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Cold waves

16% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 18 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 23 years in the area

Lower here

HailIce 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 Elmwood flood?

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

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into ElmwoodDeclared for Clay County only
2023

Severe Storms and Flooding

$18K to the Township of Elmwood for repairs
2011

Severe Storms and Flooding

$16K to the Township of Elmwood for repairs
2010

Flooding

$17K to the Township of Elmwood for repairs
2009

Severe Storms and Flooding

$27K to the Township of Elmwood for repairs
2006

Flooding

$15K to the Township of Elmwood for repairs
Clay County has had 25 natural disasters declared since 1953, most often floods and severe storms.
Around Elmwood

Elmwood and the towns around it

Elkton: Very high, mostly inland floodingKurtz: Very high, mostly inland floodingGlyndon: High, mostly inland floodingAlliance: Very high, mostly inland floodingRiverton: High, mostly inland floodingBarnesville: Very high, mostly inland floodingSkree: Very high, mostly inland floodingStanley: Moderate, mostly inland floodingBriarwood: Moderate, mostly inland floodingFargo: Moderate, mostly inland floodingHoly Cross: Very high, mostly inland floodingMoorhead: Very high, mostly inland floodingPleasant: High, mostly inland floodingMoorhead: High, mostly inland floodingDilworth: Low, mostly inland floodingMoland: Very high, mostly inland floodingElmwood: High, mostly inland flooding ElmwoodElktonKurtzGlyndonAlliance
Very lowLowModerateHighVery high
Kurtzmostly inland floodingVery high
Alliancemostly inland floodingVery high
Elktonmostly inland floodingVery high
Elmwoodmostly inland floodingHigh
Glyndonmostly inland floodingHigh
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. Elmwood 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 Elmwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Elmwood. 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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