Natural hazards · Kathio

Kathio, MN natural hazards

Most of the natural-hazard damage FEMA expects in Kathio comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Kathio?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kathio to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves13%Tornadoes5%Everything else10%

By hazard

What Kathio faces

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

Inland flooding

72% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 22 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 Kathio flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mille Lacs County.

Disasters that hit Kathio

1 federal disaster brought FEMA money here

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

Brought FEMA money into KathioDeclared for Mille Lacs County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$7K to the Township of Kathio for repairs

Mille Lacs County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Kathio

Kathio and the towns around it

Very lowLowModerateHighVery high

Richardsonmostly inland floodingHigh

Hazeltonmostly inland floodingHigh

Rooseveltmostly inland floodingHigh

South Harbormostly inland floodingModerate

Kathiomostly inland floodingModerate

Bradburymostly 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. Kathio covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kathio’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Kathio. 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 Kathio total about $1.6M 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.