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Natural hazards · Mahtowa

Mahtowa, MN natural hazards

Most of the natural-hazard damage FEMA expects in Mahtowa comes from cold waves, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

How exposed is Mahtowa?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mahtowa to be higher than in 47% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding34%Everything else9%
By hazard

What Mahtowa faces

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

Cold waves

57% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 16 times a year in the area

Inland flooding

34% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 2 years in the area

Lower here

TornadoesHailIce 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 Mahtowa flood?

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

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

2 federal disasters brought FEMA money here

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

Brought FEMA money into MahtowaDeclared for Carlton County only
2023

Severe Storms and Flooding

$11K to the Township of Mahtowa for repairs
2012

Severe Storms and Flooding

$26K to the Township of Mahtowa for repairs
Carlton County has had 7 natural disasters declared since 1953, most often floods and severe storms.
Around Mahtowa

Mahtowa and the towns around it

Atkinson: Moderate, mostly cold wavesBlackhoof: Low, mostly cold wavesBarnum: Moderate, mostly cold wavesSkelton: Low, mostly cold wavesTwin Lakes: Low, mostly cold wavesWrenshall: Low, mostly cold wavesMoose Lake: Low, mostly cold wavesBarnum: Moderate, mostly cold wavesKalevala: Low, mostly cold wavesMahtowa: Moderate, mostly cold waves MahtowaAtkinsonBlackhoofBarnumSkelton
Very lowLowModerateHighVery high
Mahtowamostly cold wavesModerate
Atkinsonmostly cold wavesModerate
Barnummostly cold wavesModerate
Skeltonmostly cold wavesLow
Blackhoofmostly cold wavesLow
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. Mahtowa 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 Mahtowa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mahtowa. 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.

The door’s open

Where to, neighbor?

You’re in Mahtowa, MNCarlton CountyView boundary

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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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