Natural hazards · Holy Cross

Holy Cross, MN natural hazards

Most of the natural-hazard damage FEMA expects in Holy Cross comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2009. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Holy Cross?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holy Cross to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves15%Everything else14%

By hazard

What Holy Cross faces

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

Inland flooding

72% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 18 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Holy Cross flood?

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

1paid claims since 2009

$8Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Holy Cross

1 federal disaster brought FEMA money here

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

Brought FEMA money into Holy CrossDeclared for Clay County only

2009

Severe Storms and Flooding

$34K to the Township of Holy Cross for repairs

Clay County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Holy Cross

Holy Cross and the towns around it

Very lowLowModerateHighVery high

Holy Crossmostly inland floodingVery high

Kurtzmostly inland floodingVery high

Alliancemostly inland floodingVery high

Pleasantmostly inland floodingHigh

Oxbowmostly inland floodingHigh

Wolvertonmostly inland floodingHigh

Eaglemostly inland floodingModerate

Stanleymostly 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. Holy Cross covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Holy Cross’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Holy Cross. 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 Holy Cross total about $4.3M 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.