Natural hazards · Harris

Harris, MN natural hazards

Most of the natural-hazard damage FEMA expects in Harris comes from cold waves, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harris?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harris to be higher than in 45% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves45%Inland flooding38%Strong wind7%Everything else10%

By hazard

What Harris faces

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

Cold waves

45% of expected damage

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

Recorded about 17 times a year in the area

Inland flooding

38% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 3 years in the area

Strong wind

7% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Harris flood?

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

of all homes
are insured

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

Insurance rates: Itasca County.

Disasters that hit Harris

3 federal disasters brought FEMA money here

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

Brought FEMA money into HarrisDeclared for Itasca County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$4K to the Township of Harris for repairs

2012

Severe Storms and Flooding

$3K to the Township of Harris for repairs

1999

Severe Storms, Winds, and Flooding

$1K to the Township of Harris for repairs

Itasca County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Harris

Harris and the towns around it

Very lowLowModerateHighVery high

Blackberrymostly inland floodingModerate

Harrismostly cold wavesModerate

Wildwoodmostly cold wavesModerate

Spangmostly cold wavesModerate

Grand Rapidsmostly cold wavesLow

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. Harris covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harris’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harris. 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 Harris total about $1.5M 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.