Natural hazards · Haverhill

Haverhill, MN natural hazards

Most of the natural-hazard damage FEMA expects in Haverhill comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 25 claims here since 1978.

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

Expected damage

How exposed is Haverhill?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Haverhill to be higher than in 66% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves18%Tornadoes14%Everything else8%

By hazard

What Haverhill 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

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 10 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 65 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 Haverhill flood?

Every paid claim on a federal flood insurance policy in Haverhill, from FEMA’s records.

25paid claims since 1978

$101Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Olmsted County.

Disasters that hit Haverhill

Federal disasters declared here

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

Brought FEMA money into HaverhillDeclared for Olmsted County only

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

Around Haverhill

Haverhill and the towns around it

Very lowLowModerateHighVery high

Rochestermostly inland floodingHigh

Haverhillmostly inland floodingHigh

Cascademostly inland floodingModerate

Marionmostly inland floodingModerate

Farmingtonmostly inland floodingModerate

Violamostly 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. Haverhill covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Haverhill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Haverhill. 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 Haverhill total about $6.1M 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.