Natural hazards · Finlayson

Finlayson, MN natural hazards

Most of the natural-hazard damage FEMA expects in Finlayson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2016. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Finlayson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Finlayson to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves30%Tornadoes5%Everything else10%

By hazard

What Finlayson faces

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

Inland flooding

54% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 2 years in the area

Cold waves

30% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 21 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 Finlayson flood?

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

3paid claims since 2016

$228Kpaid to owners

0homes flooded more than once

20162026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pine County.

Disasters that hit Finlayson

2 federal disasters brought FEMA money here

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

Brought FEMA money into FinlaysonDeclared for Pine County only

2023

Severe Storms and Flooding

$14K to the Township of Finlayson for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$12K to the Township of Finlayson for repairs

Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Finlayson

Finlayson and the towns around it

Very lowLowModerateHighVery high

Kettle Rivermostly inland floodingModerate

Bremenmostly inland floodingModerate

Finlaysonmostly inland floodingModerate

Pine Lakemostly inland floodingModerate

Partridgemostly inland floodingModerate

Rutledgemostly inland floodingModerate

Dell Grovemostly inland floodingLow

Sandstonemostly cold wavesLow

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. Finlayson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Finlayson’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Finlayson. 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 Finlayson total about $1.8M 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.