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Natural hazards · Havelock

Havelock, MN natural hazards

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

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

How exposed is Havelock?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Havelock to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding45%Cold waves15%Hail10%Tornadoes7%Drought7%Heat waves7%Everything else9%
By hazard

What Havelock faces

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

Inland flooding

45% of expected damage
Above average · higher than 68% of U.S. places
Recorded about once every 2 years in the area

Cold waves

15% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 13 times a year in the area

Hail

10% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 5 years in the area

Drought

7% of expected damage
Recorded about 8 times a year in the area

Heat waves

7% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Havelock flood?

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

of all homes
are insured
No community discount. Havelock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chippewa County.
Disasters that hit Havelock

Federal disasters declared here

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

Brought FEMA money into HavelockDeclared for Chippewa County only
Chippewa County has had 17 natural disasters declared since 1953, most often floods and severe storms.
Around Havelock

Havelock and the towns around it

Crate: High, mostly inland floodingRosewood: Moderate, mostly inland floodingLeenthrop: Moderate, mostly inland floodingGrace: Moderate, mostly inland floodingLouriston: Moderate, mostly inland floodingLone Tree: High, mostly inland floodingStoneham: High, mostly inland floodingTunsberg: Moderate, mostly inland floodingSparta: High, mostly inland floodingMandt: Moderate, mostly inland floodingGranite Falls: Moderate, mostly inland floodingCashel: High, mostly inland floodingHavelock: Moderate, mostly inland flooding HavelockCrateRosewoodLeenthropGrace
Very lowLowModerateHighVery high
Cratemostly inland floodingHigh
Havelockmostly inland floodingModerate
Rosewoodmostly inland floodingModerate
Gracemostly inland floodingModerate
Leenthropmostly inland floodingModerate
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. Havelock 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 Havelock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Havelock. 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.

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Where to, neighbor?

You’re in Havelock, MNChippewa CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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