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Natural hazards · Jefferson

Jefferson, MN natural hazards

Most of the natural-hazard damage FEMA expects in Jefferson comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Jefferson?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jefferson to be higher than in 55% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves16%Tornadoes12%Hail8%Everything else8%
By hazard

What Jefferson faces

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

Inland flooding

55% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once a year in the area

Cold waves

16% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 7 years in the area

Hail

8% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Jefferson flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Jefferson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Houston County.
Disasters that hit Jefferson

3 federal disasters brought FEMA money here

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

Brought FEMA money into JeffersonDeclared for Houston County only
2013

Severe Storms, Straight-Line Winds, and Flooding

$1K to the Township of Jefferson for repairs
2008

Severe Storms and Flooding

$10K to the Township of Jefferson for repairs
2000

Severe Storms and Flooding

$4K to the Township of Jefferson for repairs
Houston County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Jefferson

Jefferson and the towns around it

Genoa: High, mostly inland floodingCrooked Creek: Moderate, mostly inland floodingWinnebago: Moderate, mostly inland floodingHarmony: High, mostly inland floodingWheatland: High, mostly inland floodingBergen: High, mostly inland floodingSterling: High, mostly inland floodingMayville: Low, mostly inland floodingBrownsville: Very high, mostly inland floodingEitzen: Moderate, mostly inland floodingWilmington: Moderate, mostly inland floodingJefferson: Moderate, mostly inland flooding JeffersonGenoaCrooked CreekWinnebago
Very lowLowModerateHighVery high
Genoamostly inland floodingHigh
Jeffersonmostly inland floodingModerate
Crooked Creekmostly inland floodingModerate
Winnebagomostly 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. Jefferson 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 Jefferson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Jefferson. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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