Natural hazards · Frost

Frost, MN natural hazards

Most of the natural-hazard damage FEMA expects in Frost comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Frost?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frost to be higher than in 54% of U.S. communities, mostly from inland flooding and drought.

Inland flooding39%Drought22%Cold waves12%Tornadoes11%Strong wind8%Hail5%Everything else3%

By hazard

What Frost faces

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

Inland flooding

39% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Drought

22% of expected damage

Recorded about 13 times a year in the area

Cold waves

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Strong wind

8% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

5% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 4 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 Frost flood?

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

of all homes
are insured

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

Insurance rates: Faribault County.

Disasters that hit Frost

1 federal disaster brought FEMA money here

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

Brought FEMA money into FrostDeclared for Faribault County only

2004

Severe Storms and Flooding

4 households applied for aid $3K aid approved

Faribault County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Frost

Frost and the towns around it

Very lowLowModerateHighVery high

Frostmostly inland floodingModerate

Emeraldmostly inland floodingModerate

Romemostly 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. Frost 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 Frost’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Frost. 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.