Natural hazards · McKinley

McKinley, MN natural hazards

Most of the natural-hazard damage FEMA expects in McKinley comes from cold waves, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is McKinley?

Low

vs. U.S. communities

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

Cold waves66%Inland flooding25%Everything else9%

By hazard

What McKinley faces

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

Cold waves

66% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

25% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 McKinley flood?

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

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit McKinley

3 federal disasters brought FEMA money here

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

Brought FEMA money into McKinleyDeclared for St. Louis County only

2024

Severe Storms and Flooding

1 household applied for aid $25K to the City of McKinley for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$1K to the City of McKinley for repairs

1999

Severe Storms, Winds, and Flooding

$8K to the City of McKinley for repairs

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

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