Natural hazards · Middle River

Middle River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Middle River comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Middle River?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middle River to be higher than in 74% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves22%Hail5%Everything else15%

By hazard

What Middle River 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

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 22 times a year in the area

Hail

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesIce 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 Middle River flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marshall County.

Disasters that hit Middle River

Federal disasters declared here

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

Brought FEMA money into Middle RiverDeclared for Marshall County only

Marshall County has had 26 natural disasters declared since 1953, most often floods and severe storms.

Around Middle River

Middle River and the towns around it

Very lowLowModerateHighVery high

Middle Rivermostly inland floodingHigh

Bloomermostly inland floodingHigh

Tamaracmostly inland floodingHigh

Warrentonmostly inland floodingModerate

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