Natural hazards · Humboldt

Humboldt, MN natural hazards

Most of the natural-hazard damage FEMA expects in Humboldt comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Humboldt?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 78% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves19%Drought8%Everything else14%

By hazard

What Humboldt faces

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

Inland flooding

60% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

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

Recorded about 22 times a year in the area

Drought

8% of expected damage

Recorded about 5 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Humboldt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kittson County.

Disasters that hit Humboldt

Federal disasters declared here

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

Brought FEMA money into HumboldtDeclared for Kittson County only

Kittson County has had 26 natural disasters declared since 1953, most often floods and severe storms.

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. Humboldt 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 Humboldt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Humboldt. 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.