Natural hazards · Eureka

Eureka, MN natural hazards

Most of the natural-hazard damage FEMA expects in Eureka comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1998. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Eureka?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eureka to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Strong wind15%Hail10%Cold waves5%Everything else3%

By hazard

What Eureka faces

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

Inland flooding

47% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 18 years in the area

Strong wind

15% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Hail

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 6 times a year in the area

Cold waves

5% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 9 times a year 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 Eureka flood?

Every paid claim on a federal flood insurance policy in Eureka, from FEMA’s records.

4paid claims since 1998

$43Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Eureka

1 federal disaster brought FEMA money here

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

Brought FEMA money into EurekaDeclared for Dakota County only

2012

Severe Storms and Flooding

$43K to the Township of Eureka for repairs

Dakota County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Eureka

Eureka and the towns around it

Very lowLowModerateHighVery high

Castle Rockmostly inland floodingModerate

Lakevillemostly inland floodingModerate

New Marketmostly inland floodingModerate

Eurekamostly 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. Eureka covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Eureka’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Eureka. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Eureka total about $1.2M a year, counting buildings, people and crops.

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.