Natural hazards · Hayes

Hayes, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hayes 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 Hayes?

Moderate

vs. U.S. communities

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

Inland flooding44%Cold waves21%Hail9%Heat waves8%Strong wind7%Everything else12%

By hazard

What Hayes faces

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

Inland flooding

44% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 2 years in the area

Cold waves

21% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 13 times a year in the area

Hail

9% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Hayes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Swift County.

Disasters that hit Hayes

Federal disasters declared here

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

Brought FEMA money into HayesDeclared for Swift County only

Swift County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Hayes

Hayes and the towns around it

Very lowLowModerateHighVery high

Arctandermostly inland floodingModerate

Hayesmostly inland floodingModerate

Kerkhovenmostly inland floodingModerate

Kildaremostly 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. Hayes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hayes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hayes. 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 Hayes total about $1.9M 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.