Natural hazards · Minneota

Minneota, MN natural hazards

Most of the natural-hazard damage FEMA expects in Minneota comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Minneota?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minneota to be higher than in 57% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves19%Drought9%Tornadoes7%Everything else11%

By hazard

What Minneota faces

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

Inland flooding

54% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 13 times a year in the area

Drought

9% of expected damage

Recorded about 10 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 10 years 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 Minneota flood?

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

2paid claims since 1980

$4Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lyon County.

Disasters that hit Minneota

2 federal disasters brought FEMA money here

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

Brought FEMA money into MinneotaDeclared for Lyon County only

2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$70K to the City of Minneota for repairs

2010

Severe Storms and Flooding

$8K to the City of Minneota for repairs

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

Around Minneota

Minneota and the towns around it

Very lowLowModerateHighVery high

Minneotamostly inland floodingModerate

Eidsvoldmostly inland floodingModerate

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