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Natural hazards · Floodwood

Floodwood, MN natural hazards

Most of the natural-hazard damage FEMA expects in Floodwood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Floodwood?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Floodwood to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%
By hazard

What Floodwood faces

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

Inland flooding

89% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Floodwood flood?

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

18paid claims since 1978
$73Kpaid to owners
2homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 5 claims, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Floodwood 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 Floodwood

4 federal disasters brought FEMA money here

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

Brought FEMA money into FloodwoodDeclared for St. Louis County only
2023

Severe Storms and Flooding

$32K to the City of Floodwood for repairs
2012

Severe Storms and Flooding

$50K to the City of Floodwood for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$2K to the City of Floodwood for repairs
1999

Severe Storms, Winds, and Flooding

$4K to the City of Floodwood for repairs
St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Floodwood

Floodwood and the towns around it

Floodwood: High, mostly inland floodingVan Buren: High, mostly inland floodingHalden: High, mostly inland floodingFine Lakes: High, mostly inland floodingArrowhead: High, mostly inland floodingFloodwood: High, mostly inland flooding FloodwoodFloodwood
Very lowLowModerateHighVery high
Floodwoodmostly inland floodingHigh
Floodwoodmostly inland floodingHigh
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. Floodwood 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 Floodwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Floodwood. 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/18 · 2025-01-01
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