Natural hazards · Flom

Flom, MN natural hazards

Most of the natural-hazard damage FEMA expects in Flom comes from cold waves, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Flom?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flom to be higher than in 41% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves29%Inland flooding27%Drought16%Hail11%Strong wind7%Tornadoes5%Everything else5%

By hazard

What Flom faces

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

Cold waves

29% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 20 times a year in the area

Inland flooding

27% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Drought

16% of expected damage

Recorded about 7 times a year in the area

Hail

11% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 4 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Flom flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Norman County.

Disasters that hit Flom

Federal disasters declared here

None of the disasters declared for Norman County shows FEMA aid or repair money reaching Flom itself in FEMA’s records.

Brought FEMA money into FlomDeclared for Norman County only

Norman County has had 28 natural disasters declared since 1953, most often floods and severe storms.

Around Flom

Flom and the towns around it

Very lowLowModerateHighVery high

Spring Creekmostly inland floodingModerate

Flommostly cold wavesModerate

Home Lakemostly cold wavesModerate

Fossummostly cold wavesModerate

Walworthmostly inland floodingLow

Popple Grovemostly inland floodingVery 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. Flom 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 Flom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Flom. 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.