Natural hazards · Monticello

Monticello, MN natural hazards

Most of the natural-hazard damage FEMA expects in Monticello comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979.

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

Expected damage

How exposed is Monticello?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monticello to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes15%Strong wind12%Hail6%Everything else10%

By hazard

What Monticello faces

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

Inland flooding

56% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 80% of U.S. places

Strong wind

12% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Monticello flood?

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

3paid claims since 1979

$5Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Severe flooding: 1 claim, $2K
Not a named storm: 1 claim, $479

of all homes
are insured

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

Insurance rates: Wright County.

Disasters that hit Monticello

Federal disasters declared here

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

Brought FEMA money into MonticelloDeclared for Wright County only

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

Around Monticello

Monticello and the towns around it

Very lowLowModerateHighVery high

Big Lakemostly inland floodingHigh

Silver Creekmostly inland floodingHigh

Otsegomostly inland floodingModerate

Beckermostly inland floodingModerate

Monticellomostly inland floodingModerate

Maple Lakemostly inland floodingLow

Monticellomostly inland floodingLow

Buffalomostly 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. Monticello covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Monticello’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Monticello. 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 Monticello total about $2.7M 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.