Natural hazards · Lindstrom

Lindstrom, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lindstrom comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1986.

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

Expected damage

How exposed is Lindstrom?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lindstrom to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Cold waves13%Strong wind11%Hail6%Everything else5%

By hazard

What Lindstrom faces

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

Inland flooding

47% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 76% of U.S. places

Cold waves

13% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 10 times a year in the area

Strong wind

11% of expected damage

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

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 5 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Lindstrom flood?

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

3paid claims since 1986

$12Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chisago County.

Disasters that hit Lindstrom

Federal disasters declared here

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

Brought FEMA money into LindstromDeclared for Chisago County only

Chisago County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Lindstrom

Lindstrom and the towns around it

Very lowLowModerateHighVery high

Franconiamostly inland floodingModerate

Chisago Lakemostly inland floodingLow

Chisago Citymostly inland floodingLow

Lindstrommostly inland floodingLow

Center Citymostly 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. Lindstrom covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lindstrom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lindstrom. 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 Lindstrom total about $1.5M 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.