Natural hazards · Horton

Horton, MN natural hazards

Most of the natural-hazard damage FEMA expects in Horton 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 Horton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horton to be higher than in 11% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves32%Tornadoes11%Strong wind8%Hail5%Everything else10%

By hazard

What Horton faces

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

Inland flooding

34% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 3 years in the area

Cold waves

32% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 13 years in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice 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 Horton flood?

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

of all homes
are insured

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

Insurance rates: Stevens County.

Disasters that hit Horton

Federal disasters declared here

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

Brought FEMA money into HortonDeclared for Stevens County only

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

Around Horton

Horton and the towns around it

Very lowLowModerateHighVery high

Fairfieldmostly inland floodingLow

Synnesmostly inland floodingLow

Hortonmostly inland floodingVery low

Mooremostly inland floodingVery low

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