Natural hazards · Guthrie

Guthrie, MN natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guthrie to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves18%Tornadoes6%Everything else16%

By hazard

What Guthrie faces

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

Inland flooding

60% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 4 years in the area

Cold waves

18% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 11 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 Guthrie flood?

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

of all homes
are insured

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

Insurance rates: Hubbard County.

Disasters that hit Guthrie

1 federal disaster brought FEMA money here

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

Brought FEMA money into GuthrieDeclared for Hubbard County only

2009

Severe Storms and Flooding

$19K to the Township of Guthrie for repairs

Hubbard County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Guthrie

Guthrie and the towns around it

Very lowLowModerateHighVery high

Hendricksonmostly inland floodingLow

Guthriemostly inland floodingLow

Schoolcraftmostly inland floodingLow

Hart Lakemostly inland floodingLow

Helgamostly 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. Guthrie covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Guthrie’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Guthrie. 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 Guthrie total about $1.6M 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.