Natural hazards · Hopkins

Hopkins, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hopkins comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1987.

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

Expected damage

How exposed is Hopkins?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hopkins to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding33%Cold waves25%Tornadoes22%Heat waves10%Hail7%Everything else3%

By hazard

What Hopkins faces

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

Inland flooding

33% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Cold waves

25% of expected damage

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

Recorded about 9 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 87% of U.S. places

Heat waves

10% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Hail

7% of expected damage

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

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hopkins flood?

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

4paid claims since 1987

$195Kpaid to owners

1homes flooded more than once

19872026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hennepin County.

Disasters that hit Hopkins

Federal disasters declared here

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

Brought FEMA money into HopkinsDeclared for Hennepin County only

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

Around Hopkins

Hopkins and the towns around it

Very lowLowModerateHighVery high

Edinamostly inland floodingLow

Minnetonkamostly inland floodingLow

Hopkinsmostly inland floodingLow

St. Louis Parkmostly 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. Hopkins covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Hopkins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hopkins. 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 Hopkins total about $6.0M 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.