Natural hazards · Florence

Florence, MN natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is high 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 Florence?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes16%Strong wind10%Hail7%Cold waves5%Everything else4%

By hazard

What Florence faces

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

Inland flooding

58% of expected damage

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

Recorded about once a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 12 years in the area

Strong wind

10% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Cold waves

5% of expected damage

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

Recorded about 9 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 Florence flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Goodhue County.

Disasters that hit Florence

2 federal disasters brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Goodhue County only

2012

Severe Storms and Flooding

$25K to the Township of Florence for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$2K to the Township of Florence for repairs

Goodhue County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Mount Pleasantmostly inland floodingHigh

Florencemostly inland floodingHigh

Hay Creekmostly inland floodingHigh

Wacoutamostly inland floodingHigh

Lake Citymostly inland floodingModerate

Lakemostly inland floodingModerate

Stockholmmostly inland floodingModerate

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. Florence 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 Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Florence. 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.