Natural hazards · Karlstad

Karlstad, MN natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Karlstad to be higher than in 79% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding48%Wildfire18%Cold waves14%Drought6%Everything else14%

By hazard

What Karlstad 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

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Wildfire

18% of expected damage

Well above average · higher than 98% of U.S. places

Cold waves

14% of expected damage

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

Recorded about 22 times a year in the area

Drought

6% of expected damage

Recorded about 12 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Karlstad flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Karlstad 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 Karlstad

Federal disasters declared here

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

Brought FEMA money into KarlstadDeclared for Kittson County only

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

Around Karlstad

Karlstad and the towns around it

Very lowLowModerateHighVery high

Karlstadmostly inland floodingHigh

Deerwoodmostly inland floodingHigh

Arvesonmostly inland floodingHigh

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