Natural hazards · Luxemburg

Luxemburg, MN natural hazards

Most of the natural-hazard damage FEMA expects in Luxemburg comes from inland flooding, and overall the risk is moderate 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 Luxemburg?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luxemburg to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes13%Strong wind9%Hail7%Cold waves6%Everything else6%

By hazard

What Luxemburg faces

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

Inland flooding

58% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 15 years in the area

Strong wind

9% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

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

Recorded about 13 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 Luxemburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit Luxemburg

1 federal disaster brought FEMA money here

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

Brought FEMA money into LuxemburgDeclared for Stearns County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$116K to the Township of Luxemburg for repairs

Stearns County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Luxemburg

Luxemburg and the towns around it

Very lowLowModerateHighVery high

Eden Lakemostly inland floodingHigh

Wakefieldmostly inland floodingHigh

Forest Prairiemostly inland floodingModerate

Luxemburgmostly inland floodingModerate

Maine Prairiemostly inland floodingModerate

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