Natural hazards · Garrison

Garrison, MN natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garrison to be higher than in 63% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves16%Tornadoes5%Everything else9%

By hazard

What Garrison faces

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

Inland flooding

70% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 21 years in the area

Lower here

HailIce stormsWinter weatherHeat 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 Garrison flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crow Wing County.

Disasters that hit Garrison

1 federal disaster brought FEMA money here

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

Brought FEMA money into GarrisonDeclared for Crow Wing County only

2012

Severe Storms and Flooding

$7K to the Township of Garrison for repairs

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

Around Garrison

Garrison and the towns around it

Very lowLowModerateHighVery high

Hazeltonmostly inland floodingHigh

Garrisonmostly inland floodingHigh

Rooseveltmostly inland floodingHigh

Maple Grovemostly inland floodingHigh

Platte Lakemostly inland floodingHigh

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