TownTapestry
Sign inJoin
Hay CreekGood morning
Natural hazards · Hay Creek

Hay Creek, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hay Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 73 claims here since 1993. 2 federal disasters brought FEMA money into town.

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

How exposed is Hay Creek?

64
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hay Creek to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes16%Strong wind10%Hail7%Cold waves5%Everything else4%
By hazard

What Hay Creek faces

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

Inland flooding

58% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about once a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 12 years in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Hail

7% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 6 times a year in the area

Cold waves

5% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 9 times a year in the area

Lower here

Ice 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 Hay Creek flood?

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

73paid claims since 1993
$1.1Mpaid to owners
0homes flooded more than once
19932026

Biggest named events

  • Severe flooding: 27 claims, $495K
  • Midwest Flooding: 3 claims, $30K
  • June Midwest Flooding: 2 claims, $17K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hay Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Goodhue County.
Disasters that hit Hay Creek

2 federal disasters brought FEMA money here

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

Brought FEMA money into Hay CreekDeclared for Goodhue County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$36K to the Township of Hay Creek for repairs
2012

Severe Storms and Flooding

$16K to the Township of Hay Creek for repairs
Goodhue County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Hay Creek

Hay Creek and the towns around it

Red Wing: Moderate, mostly inland floodingFlorence: High, mostly inland floodingFeatherstone: High, mostly inland floodingWacouta: High, mostly inland floodingBelvidere: High, mostly inland floodingTrenton: Moderate, mostly inland floodingDiamond Bluff: Moderate, mostly inland floodingWelch: High, mostly inland floodingIsabelle: Moderate, mostly inland floodingLake City: Moderate, mostly inland floodingStockholm: Moderate, mostly inland floodingLake: Moderate, mostly inland floodingMount Pleasant: High, mostly inland floodingGoodhue: High, mostly inland floodingVasa: High, mostly inland floodingMaiden Rock: Moderate, mostly inland floodingChester: High, mostly inland floodingBellechester: High, mostly inland floodingHay Creek: High, mostly inland flooding Hay CreekRed WingFlorenceFeatherstoneWacoutaBelvidere
Very lowLowModerateHighVery high
Hay Creekmostly inland floodingHigh
Florencemostly inland floodingHigh
Wacoutamostly inland floodingHigh
Belvideremostly inland floodingHigh
Featherstonemostly inland floodingHigh
Red Wingmostly 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. Hay Creek covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hay Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hay Creek. 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 Hay Creek total about $2.7M 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.

The coffee’s on

Where to, neighbor?

You’re in Hay Creek, MNGoodhue CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Hay Creek is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

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