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Natural hazards · Henderson

Henderson, MN natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2013. 8 federal disasters brought FEMA money into town.

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

How exposed is Henderson?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 49% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding47%Strong wind15%Cold waves14%Tornadoes11%Hail8%Everything else5%
By hazard

What Henderson faces

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

Inland flooding

47% of expected damage
Above average · higher than 54% of U.S. places
Recorded about once a year in the area

Strong wind

15% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Cold waves

14% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 11 times a year in the area

Tornadoes

11% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 7 years in the area

Hail

8% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 6 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 Henderson flood?

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

4paid claims since 2013
$17Kpaid to owners
1homes flooded more than once
20132026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

8 federal disasters brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Sibley County only
2024

Severe Storms and Flooding

$60K to the City of Henderson for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$95K to the City of Henderson for repairs
2018

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$28K to the City of Henderson for repairs
2014

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

$264K to the City of Henderson for repairs
2012

Severe Storms and Flooding

$13K to the City of Henderson for repairs
2011

Severe Storms and Flooding

$350K to the City of Henderson for repairs
2010

Flooding

$25K to the City of Henderson for repairs
2010

Severe Storms, Tornadoes, and Flooding

$35K to the City of Henderson for repairs
Sibley County has had 17 natural disasters declared since 1953, most often floods and severe storms.
Around Henderson

Henderson and the towns around it

Henderson: Moderate, mostly inland floodingTyrone: Low, mostly inland floodingLe Sueur: Moderate, mostly inland floodingKelso: Moderate, mostly inland floodingJessenland: Moderate, mostly inland floodingOttawa: Moderate, mostly inland floodingLake Prairie: Moderate, mostly inland floodingSharon: Low, mostly inland floodingBlakeley: Moderate, mostly inland floodingDerrynane: Low, mostly inland floodingHenderson: Moderate, mostly inland flooding HendersonHendersonTyrone
Very lowLowModerateHighVery high
Hendersonmostly inland floodingModerate
Hendersonmostly inland floodingModerate
Tyronemostly 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. Henderson 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 Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Henderson. 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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