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Natural hazards · Fayal

Fayal, MN natural hazards

Most of the natural-hazard damage FEMA expects in Fayal comes from cold waves, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

How exposed is Fayal?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fayal to be higher than in 50% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves63%Inland flooding28%Everything else9%
By hazard

What Fayal faces

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

Cold waves

63% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 17 times a year in the area

Inland flooding

28% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Fayal flood?

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

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

2 federal disasters brought FEMA money here

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

Brought FEMA money into FayalDeclared for St. Louis County only
2024

Severe Storms and Flooding

$57K to the Township of Fayal for repairs
2023

Severe Storms and Flooding

$8K to the Township of Fayal for repairs
St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Fayal

Fayal and the towns around it

Eveleth: Very low, mostly cold wavesClinton: Moderate, mostly cold wavesGilbert: Very low, mostly cold wavesLeonidas: Very low, mostly cold wavesVirginia: Low, mostly cold wavesMountain Iron: Very low, mostly cold wavesMcDavitt: High, mostly cold wavesCherry: Low, mostly cold wavesBiwabik: Low, mostly cold wavesFayal: Moderate, mostly cold waves FayalEvelethClintonGilbert
Very lowLowModerateHighVery high
Fayalmostly cold wavesModerate
Clintonmostly cold wavesModerate
Evelethmostly cold wavesVery low
Gilbertmostly cold wavesVery low
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. Fayal 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 Fayal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fayal. 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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