Natural hazards · North Mankato

North Mankato, MN natural hazards

Most of the natural-hazard damage FEMA expects in North Mankato comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North Mankato?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Mankato to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves23%Tornadoes14%Strong wind13%Everything else11%

By hazard

What North Mankato faces

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

Inland flooding

40% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 90% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat 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 North Mankato flood?

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

13paid claims since 1978

$131Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Severe flooding: 2 claims, $7K
June Midwest Flooding: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Nicollet County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit North Mankato

1 federal disaster brought FEMA money here

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

Brought FEMA money into North MankatoDeclared for Nicollet County only

2024

Severe Storms and Flooding

78 households applied for aid $246K aid approved

Nicollet County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around North Mankato

North Mankato and the towns around it

Very lowLowModerateHighVery high

Mankatomostly inland floodingHigh

Belgrademostly inland floodingModerate

North Mankatomostly inland floodingLow

Mankatomostly cold wavesLow

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 Mankato covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to North Mankato’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North Mankato. 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 North Mankato total about $5.4M 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.