Natural hazards · Garfield

Garfield, MN natural hazards

Most of the natural-hazard damage FEMA expects in Garfield comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Garfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garfield to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves23%Tornadoes13%Strong wind6%Everything else7%

By hazard

What Garfield faces

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

Inland flooding

51% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 3 years in the area

Cold waves

23% of expected damage

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

Recorded about 14 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 24 years in the area

Strong wind

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce 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 Garfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Garfield

Federal disasters declared here

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

Brought FEMA money into GarfieldDeclared for Douglas County only

Douglas County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Garfield

Garfield and the towns around it

Very lowLowModerateHighVery high

Garfieldmostly inland floodingLow

Idamostly inland floodingLow

La Grandmostly 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. Garfield 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 Garfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Garfield. 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.