Natural hazards · Freeman

Freeman, MN natural hazards

Most of the natural-hazard damage FEMA expects in Freeman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Freeman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freeman to be higher than in 39% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding35%Tornadoes21%Drought16%Cold waves11%Strong wind9%Hail6%Everything else2%

By hazard

What Freeman faces

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

Inland flooding

35% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 13 years in the area

Drought

16% of expected damage

Recorded about 16 times a year in the area

Cold waves

11% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 10 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year 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 Freeman flood?

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

1paid claims since 2019

$13Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Freeborn County.

Disasters that hit Freeman

8 federal disasters brought FEMA money here

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

Brought FEMA money into FreemanDeclared for Freeborn County only

2024

Severe Storms and Flooding

$17K to the Township of Freeman for repairs

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$45K to the Township of Freeman for repairs

2016

Severe Storms and Flooding

$49K to the Township of Freeman for repairs

2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$9K to the Township of Freeman for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$15K to the Township of Freeman for repairs

2008

Severe Storms and Flooding

$7K to the Township of Freeman for repairs

2004

Severe Storms and Flooding

$6K to the Township of Freeman for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$3K to the Township of Freeman for repairs

Freeborn County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Freeman

Freeman and the towns around it

Very lowLowModerateHighVery high

Shell Rockmostly inland floodingModerate

Glenvillemostly inland floodingModerate

Haywardmostly inland floodingModerate

Nundamostly inland floodingModerate

Freemanmostly inland floodingLow

Albert Leamostly inland floodingLow

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. Freeman covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Freeman’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Freeman. 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 Freeman total about $1.5M 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.