Natural hazards · Norman

Norman, MN natural hazards

Most of the natural-hazard damage FEMA expects in Norman comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Norman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norman to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves29%Everything else11%

By hazard

What Norman faces

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

Inland flooding

60% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 2 years in the area

Cold waves

29% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Lower here

TornadoesHailIce 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 Norman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pine County.

Disasters that hit Norman

2 federal disasters brought FEMA money here

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

Brought FEMA money into NormanDeclared for Pine County only

2023

Severe Storms and Flooding

$11K to the Township of Norman for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$6K to the Township of Norman for repairs

Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Norman

Norman and the towns around it

Very lowLowModerateHighVery high

Kettle Rivermostly inland floodingModerate

Normanmostly inland floodingModerate

Windemeremostly inland floodingModerate

Brunomostly inland floodingModerate

Partridgemostly 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. Norman 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 Norman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Norman. 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.