Natural hazards · North St. Paul

North St. Paul, MN natural hazards

Most of the natural-hazard damage FEMA expects in North St. Paul comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2000. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North St. Paul?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North St. Paul to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves26%Tornadoes18%Heat waves10%Hail6%Everything else2%

By hazard

What North St. Paul faces

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

Inland flooding

38% of expected damage

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

Recorded about once a year in the area

Cold waves

26% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 77% of U.S. places

Heat waves

10% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Hail

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 St. Paul flood?

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

3paid claims since 2000

$4Kpaid to owners

0homes flooded more than once

20002026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ramsey County.

Disasters that hit North St. Paul

1 federal disaster brought FEMA money here

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

Brought FEMA money into North St. PaulDeclared for Ramsey County only

2000

Severe Storms and Flooding

$88K to the City of North St. Paul for repairs

Ramsey County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around North St. Paul

North St. Paul and the towns around it

Very lowLowModerateHighVery high

North St. Paulmostly inland floodingLow

Maplewoodmostly 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. North St. Paul covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to North St. Paul’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North St. Paul. 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 St. Paul total about $3.7M 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.