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Natural hazards · Lockhart

Lockhart, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lockhart comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Lockhart?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockhart to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves25%Drought13%Hail10%Strong wind6%Everything else10%
By hazard

What Lockhart faces

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

Inland flooding

37% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once a year in the area

Cold waves

25% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 20 times a year in the area

Drought

13% of expected damage
Recorded about 6 times a year in the area

Hail

10% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 4 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 2 times a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Lockhart flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lockhart isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Norman County.
Disasters that hit Lockhart

4 federal disasters brought FEMA money here

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

Brought FEMA money into LockhartDeclared for Norman County only
2023

Severe Storms and Flooding

$99K to the Township of Lockhart for repairs
2009

Severe Storms and Flooding

$2K to the Township of Lockhart for repairs
2006

Flooding

$2K to the Township of Lockhart for repairs
2002

Severe Storms, Flooding and Tornadoes

$8K to the Township of Lockhart for repairs
Norman County has had 28 natural disasters declared since 1953, most often floods and severe storms.
Around Lockhart

Lockhart and the towns around it

Spring Creek: Moderate, mostly cold wavesGood Hope: Moderate, mostly inland floodingPleasant View: Moderate, mostly inland floodingReis: Very high, mostly inland floodingSundal: Moderate, mostly cold wavesGreen Meadow: Moderate, mostly cold wavesLiberty: High, mostly inland floodingShelly: Moderate, mostly inland floodingScandia: Very high, mostly inland floodingAnthony: Moderate, mostly inland floodingMcDonaldsville: Low, mostly inland floodingRussia: Very high, mostly inland floodingLockhart: Moderate, mostly inland flooding LockhartSpring CreekGood HopePleasant ViewReis
Very lowLowModerateHighVery high
Reismostly inland floodingVery high
Lockhartmostly inland floodingModerate
Good Hopemostly inland floodingModerate
Pleasant Viewmostly inland floodingModerate
Spring Creekmostly cold wavesModerate
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. Lockhart 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 Lockhart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lockhart. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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