Natural hazards · Kelsey

Kelsey, MN natural hazards

Most of the natural-hazard damage FEMA expects in Kelsey comes from cold waves, and overall the risk is high 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 Kelsey?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kelsey to be higher than in 76% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves51%Inland flooding41%Everything else8%

By hazard

What Kelsey faces

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

Cold waves

51% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

41% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Kelsey flood?

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

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Kelsey

1 federal disaster brought FEMA money here

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

Brought FEMA money into KelseyDeclared for St. Louis County only

1999

Severe Storms, Winds, and Flooding

$5K to the Township of Kelsey for repairs

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Kelsey

Kelsey and the towns around it

Very lowLowModerateHighVery high

Kelseymostly cold wavesHigh

Toivolamostly cold wavesHigh

Meadowlandsmostly cold wavesHigh

McDavittmostly cold wavesHigh

Cottonmostly 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. Kelsey 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 Kelsey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Kelsey. 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.