Natural hazards · Minerva

Minerva, MN natural hazards

Most of the natural-hazard damage FEMA expects in Minerva comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1997. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Minerva?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minerva to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves20%Tornadoes8%Drought6%Everything else16%

By hazard

What Minerva faces

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

Inland flooding

50% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 2 years in the area

Cold waves

20% of expected damage

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

Recorded about 17 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 5 years in the area

Drought

6% of expected damage

Recorded about 16 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Minerva flood?

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

2paid claims since 1997

$39Kpaid to owners

0homes flooded more than once

19972026

Disasters that hit Minerva

4 federal disasters brought FEMA money here

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

Brought FEMA money into MinervaDeclared for Clearwater County only

2022

Severe Storms, Straight-Line Winds, and Flooding

$8K to the Township of Minerva for repairs

2009

Severe Storms and Flooding

$4K to the Township of Minerva for repairs

2002

Severe Storms, Flooding and Tornadoes

$6K to the Township of Minerva for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$9K to the Township of Minerva for repairs

Clearwater County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Minerva

Minerva and the towns around it

Very lowLowModerateHighVery high

Minervamostly inland floodingLow

Ricemostly inland floodingLow

Noramostly inland floodingLow

Bear Creekmostly inland floodingLow

La Prairiemostly 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. Minerva covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Minerva’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Minerva. 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 Minerva total about $916K 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.