Natural hazards · Keene

Keene, MN natural hazards

Most of the natural-hazard damage FEMA expects in Keene comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Keene?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keene to be higher than in 77% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves18%Tornadoes5%Everything else15%

By hazard

What Keene faces

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

Inland flooding

62% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 18 times a year in the area

Tornadoes

5% of expected damage

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

Recorded about once every 4 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 Keene flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Keene

2 federal disasters brought FEMA money here

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

Brought FEMA money into KeeneDeclared for Clay County only

2002

Severe Storms, Flooding and Tornadoes

$11K to the Township of Keene for repairs

2000

Severe Storms and Flooding

$11K to the Township of Keene for repairs

Clay County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Keene

Keene and the towns around it

Very lowLowModerateHighVery high

Flowingmostly inland floodingVery high

Keenemostly inland floodingHigh

Goose Prairiemostly inland floodingHigh

Hagenmostly 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. Keene covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Keene’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Keene. 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 Keene total about $5.4M 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.