Natural hazards · Larkin

Larkin, MN natural hazards

Most of the natural-hazard damage FEMA expects in Larkin comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1993.

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

Expected damage

How exposed is Larkin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larkin to be higher than in 37% of U.S. communities, mostly from inland flooding and hail.

Inland flooding38%Hail21%Cold waves14%Tornadoes13%Everything else14%

By hazard

What Larkin faces

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

Inland flooding

38% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Hail

21% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 6 times a year in the area

Cold waves

14% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 6 years in the area

Lower here

Ice 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 Larkin flood?

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

3paid claims since 1993

$9Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 2 claims, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nobles County.

Disasters that hit Larkin

Federal disasters declared here

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

Brought FEMA money into LarkinDeclared for Nobles County only

Nobles County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Larkin

Larkin and the towns around it

Very lowLowModerateHighVery high

Summit Lakemostly inland floodingModerate

Larkinmostly inland floodingLow

Wilmontmostly inland floodingLow

Lismoremostly inland floodingLow

Olneymostly 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. Larkin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Larkin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Larkin. 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 Larkin total about $2.6M 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.