Natural hazards · Mahtomedi

Mahtomedi, MN natural hazards

Most of the natural-hazard damage FEMA expects in Mahtomedi comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2001.

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

Expected damage

How exposed is Mahtomedi?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mahtomedi to be higher than in 39% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes18%Strong wind11%Cold waves11%Hail6%Everything else6%

By hazard

What Mahtomedi faces

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

Inland flooding

49% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

18% of expected damage

Well above average · higher than 80% of U.S. places

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

Cold waves

11% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 9 times a year in the area

Hail

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Mahtomedi flood?

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

1paid claims since 2001

$4Kpaid to owners

0homes flooded more than once

20012026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Mahtomedi

Federal disasters declared here

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

Brought FEMA money into MahtomediDeclared for Washington County only

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

Around Mahtomedi

Mahtomedi and the towns around it

Very lowLowModerateHighVery high

Dellwoodmostly inland floodingModerate

Mahtomedimostly inland floodingLow

White Bearmostly inland floodingLow

Birchwood Villagemostly inland floodingLow

Pine Springsmostly inland floodingLow

Grantmostly inland floodingLow

White Bear Lakemostly inland floodingLow

Oakdalemostly 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. Mahtomedi covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mahtomedi’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Mahtomedi. 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 Mahtomedi total about $3.6M 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.