Natural hazards · Homer

Homer, MN natural hazards

Most of the natural-hazard damage FEMA expects in Homer comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Homer?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homer to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding75%Cold waves10%Tornadoes8%Everything else7%

By hazard

What Homer faces

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

Inland flooding

75% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

10% of expected damage

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

Recorded about 8 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 26 years in the area

Lower here

HailIce 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 Homer flood?

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

of all homes
are insured

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

Insurance rates: Winona County.

Disasters that hit Homer

2 federal disasters brought FEMA money here

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

Brought FEMA money into HomerDeclared for Winona County only

2007

Severe Storms and Flooding

$29K to the Township of Homer for repairs

2000

Severe Storms and Flooding

$7K to the Township of Homer for repairs

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

Around Homer

Homer and the towns around it

Very lowLowModerateHighVery high

Homermostly inland floodingHigh

Richmondmostly inland floodingHigh

Pleasant Hillmostly inland floodingHigh

Wilsonmostly inland floodingHigh

Trempealeaumostly inland floodingModerate

Buffalomostly inland floodingModerate

Winonamostly 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. Homer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Homer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Homer. 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 Homer total about $3.9M 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.