Natural hazards · Hermantown

Hermantown, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hermantown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1989. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hermantown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hermantown to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding81%Lightning7%Tornadoes6%Everything else6%

By hazard

What Hermantown faces

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

Inland flooding

81% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Lightning

7% of expected damage

Above average · higher than 72% of U.S. places

Tornadoes

6% of expected damage

Below average · higher than 37% of U.S. places

Lower here

HailIce stormsWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingHurricanesWinter weatherCold wavesHeat wavesAvalanchesTsunamisVolcanic 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 Hermantown flood?

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

2paid claims since 1989

$16Kpaid to owners

0homes flooded more than once

19892026

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Hermantown

3 federal disasters brought FEMA money here

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

Brought FEMA money into HermantownDeclared for St. Louis County only

2024

Severe Storms and Flooding

10 households applied for aid $52K aid approved

2012

Severe Storms and Flooding

$303K to the City of Hermantown for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$11K to the City of Hermantown for repairs

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Hermantown

Hermantown and the towns around it

Very lowLowModerateHighVery high

Canosiamostly inland floodingLow

Duluthmostly inland floodingLow

Solwaymostly inland floodingLow

Hermantownmostly 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. Hermantown covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hermantown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hermantown. 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 Hermantown total about $2.0M 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.