Natural hazards · Hiram

Hiram, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hiram comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Hiram?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hiram to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves31%Tornadoes6%Strong wind5%Everything else8%

By hazard

What Hiram faces

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

Inland flooding

50% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 7 years in the area

Cold waves

31% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 16 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 26 years in the area

Strong wind

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce 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 Hiram flood?

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

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Hiram

Federal disasters declared here

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

Brought FEMA money into HiramDeclared for Cass County only

Cass County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Hiram

Hiram and the towns around it

Very lowLowModerateHighVery high

White Oakmostly inland floodingModerate

Hirammostly inland floodingVery low

Hackensackmostly inland floodingVery low

Deerfieldmostly inland floodingVery low

Birch Lakemostly inland floodingVery low

Shingobeemostly inland floodingVery low

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. Hiram 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 Hiram’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hiram. 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.