Natural hazards · Fair Haven

Fair Haven, MN natural hazards

Most of the natural-hazard damage FEMA expects in Fair Haven comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Fair Haven?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fair Haven to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes11%Strong wind8%Cold waves7%Hail7%Everything else6%

By hazard

What Fair Haven faces

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

Inland flooding

62% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 23 years in the area

Strong wind

8% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 13 times a year in the area

Hail

7% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 6 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 Fair Haven flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit Fair Haven

1 federal disaster brought FEMA money here

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

Brought FEMA money into Fair HavenDeclared for Stearns County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$1K to the Township of Fair Haven for repairs

Stearns County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Fair Haven

Fair Haven and the towns around it

Very lowLowModerateHighVery high

Fair Havenmostly inland floodingHigh

Lyndenmostly inland floodingHigh

Southsidemostly inland floodingModerate

Maine Prairiemostly inland floodingModerate

St. Augustamostly 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. Fair Haven covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fair Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fair Haven. 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 Fair Haven total about $1.9M 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.