Natural hazards · Northome

Northome, MN natural hazards

Most of the natural-hazard damage FEMA expects in Northome comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Northome?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northome to be higher than in 75% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding67%Cold waves21%Everything else12%

By hazard

What Northome faces

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

Inland flooding

67% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Cold waves

21% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 18 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 Northome flood?

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

of all homes
are insured

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

Insurance rates: Koochiching County.

Disasters that hit Northome

Federal disasters declared here

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

Brought FEMA money into NorthomeDeclared for Koochiching County only

Koochiching County has had 10 natural disasters declared since 1953, most often floods and hurricanes.

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. Northome 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 Northome’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Northome. 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.