Natural hazards · Kalmar

Kalmar, MN natural hazards

Most of the natural-hazard damage FEMA expects in Kalmar comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2010. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Kalmar?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kalmar to be higher than in 36% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves21%Tornadoes19%Everything else12%

By hazard

What Kalmar faces

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

Inland flooding

48% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Cold waves

21% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 10 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 21 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 Kalmar flood?

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

3paid claims since 2010

$149Kpaid to owners

0homes flooded more than once

20102026

Biggest named events

June Midwest Flooding: 1 claim, $52K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Olmsted County.

Disasters that hit Kalmar

1 federal disaster brought FEMA money here

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

Brought FEMA money into KalmarDeclared for Olmsted County only

2007

Severe Storms and Flooding

$6K to the Township of Kalmar for repairs

Olmsted County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Kalmar

Kalmar and the towns around it

Very lowLowModerateHighVery high

Rochestermostly inland floodingHigh

Mantorvillemostly inland floodingHigh

Cascademostly inland floodingModerate

Kalmarmostly inland floodingLow

New Havenmostly inland floodingLow

Salemmostly inland floodingLow

Byronmostly inland floodingLow

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. Kalmar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kalmar’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Kalmar. 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 Kalmar total about $2.0M 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.