Natural hazards · Home

Home, MN natural hazards

Most of the natural-hazard damage FEMA expects in Home comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Home?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Home to be higher than in 35% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves41%Inland flooding33%Tornadoes11%Strong wind7%Everything else9%

By hazard

What Home faces

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

Cold waves

41% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

33% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

11% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 11 years in the area

Strong wind

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 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 Home flood?

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

1paid claims since 2019

$2Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brown County.

Disasters that hit Home

4 federal disasters brought FEMA money here

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

Brought FEMA money into HomeDeclared for Brown County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$7K to the Township of Home for repairs

2018

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

$25K to the Township of Home for repairs

2014

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

$64K to the Township of Home for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$7K to the Township of Home for repairs

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

Around Home

Home and the towns around it

Very lowLowModerateHighVery high

Ridgelymostly inland floodingModerate

Starkmostly inland floodingModerate

Homemostly cold wavesLow

Prairievillemostly cold wavesLow

Milfordmostly cold wavesLow

Edenmostly cold wavesLow

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. Home covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Home’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Home. 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 Home total about $8.0M 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.