Natural hazards · Odessa

Odessa, MN natural hazards

Most of the natural-hazard damage FEMA expects in Odessa comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2013. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Odessa?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Odessa to be higher than in 27% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding33%Hail11%Tornadoes8%Strong wind5%Everything else9%

By hazard

What Odessa faces

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

Cold waves

36% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 14 times a year in the area

Inland flooding

33% of expected damage

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

Recorded about once every 2 years in the area

Hail

11% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 5 years in the area

Strong wind

5% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice 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 Odessa flood?

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

1paid claims since 2013

$3Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Big Stone County.

Disasters that hit Odessa

1 federal disaster brought FEMA money here

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

Brought FEMA money into OdessaDeclared for Big Stone County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$10K to the City of Odessa for repairs

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

Around Odessa

Odessa and the towns around it

Very lowLowModerateHighVery high

Agassizmostly inland floodingModerate

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