Natural hazards · Maplewood

Maplewood, MN natural hazards

Most of the natural-hazard damage FEMA expects in Maplewood comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1978.

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

Expected damage

How exposed is Maplewood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Maplewood to be higher than in 22% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves24%Tornadoes21%Heat waves9%Hail7%Everything else3%

By hazard

What Maplewood faces

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

Inland flooding

36% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

21% of expected damage

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

Heat waves

9% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Maplewood flood?

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

5paid claims since 1978

$13Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Severe flooding: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ramsey County.

Disasters that hit Maplewood

Federal disasters declared here

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

Brought FEMA money into MaplewoodDeclared for Ramsey County only

Ramsey County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Maplewood

Maplewood and the towns around it

Very lowLowModerateHighVery high

North St. Paulmostly inland floodingLow

Woodburymostly inland floodingLow

Vadnais Heightsmostly inland floodingLow

St. Paulmostly inland floodingLow

White Bear Lakemostly inland floodingLow

Maplewoodmostly inland floodingLow

Little Canadamostly inland floodingLow

Rosevillemostly inland floodingVery low

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. Maplewood covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Maplewood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Maplewood. 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 Maplewood total about $13.9M 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.