Natural hazards · North Germany

North Germany, MN natural hazards

Most of the natural-hazard damage FEMA expects in North Germany comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North Germany?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Germany to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves11%Tornadoes8%Drought8%Strong wind6%Everything else9%

By hazard

What North Germany 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

Above average · higher than 66% of U.S. places

Recorded about once every 2 years in the area

Cold waves

11% of expected damage

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

Recorded about 15 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 8 years in the area

Drought

8% of expected damage

Recorded about 14 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 North Germany flood?

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

of all homes
are insured

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

Insurance rates: Wadena County.

Disasters that hit North Germany

1 federal disaster brought FEMA money here

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

Brought FEMA money into North GermanyDeclared for Wadena County only

2009

Severe Storms and Flooding

$11K to the Township of North Germany for repairs

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

Around North Germany

North Germany and the towns around it

Very lowLowModerateHighVery high

Meadowmostly inland floodingModerate

North Germanymostly inland floodingModerate

Lyonsmostly inland floodingModerate

Rockwoodmostly inland floodingModerate

Wing Rivermostly 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. North Germany 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 North Germany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North Germany. 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.