Natural hazards · Harding

Harding, MN natural hazards

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

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

Expected damage

How exposed is Harding?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harding to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves5%Everything else22%

By hazard

What Harding faces

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

Inland flooding

73% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 13 times a year in the area

Lower here

TornadoesHailIce 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 Harding flood?

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

of all homes
are insured

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

Insurance rates: Morrison County.

Disasters that hit Harding

Federal disasters declared here

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

Brought FEMA money into HardingDeclared for Morrison County only

Morrison County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Harding

Harding and the towns around it

Very lowLowModerateHighVery high

Hardingmostly inland floodingHigh

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