Natural hazards · Hartford

Hartford, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hartford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes7%Cold waves7%Strong wind6%Everything else13%

By hazard

What Hartford faces

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

Inland flooding

66% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

7% of expected damage

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

Recorded about once every 9 years in the area

Cold waves

7% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 14 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% 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 Hartford flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Todd County.

Disasters that hit Hartford

2 federal disasters brought FEMA money here

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

Brought FEMA money into HartfordDeclared for Todd County only

2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$10K to the Township of Hartford for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$7K to the Township of Hartford for repairs

Todd County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Hartford

Hartford and the towns around it

Very lowLowModerateHighVery high

Hartfordmostly inland floodingLow

Wardmostly inland floodingLow

Little Elkmostly inland floodingLow

Ionamostly inland floodingLow

Long Prairiemostly inland floodingVery low

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