Natural hazards · Onstad

Onstad, MN natural hazards

Most of the natural-hazard damage FEMA expects in Onstad comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1997.

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

Expected damage

How exposed is Onstad?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Onstad to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves27%Drought9%Tornadoes5%Everything else16%

By hazard

What Onstad faces

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

Inland flooding

44% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 21 times a year in the area

Drought

9% of expected damage

Recorded about 7 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 6 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Onstad flood?

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

3paid claims since 1997

$56Kpaid to owners

0homes flooded more than once

19972026

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Onstad

Federal disasters declared here

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

Brought FEMA money into OnstadDeclared for Polk County only

Polk County has had 27 natural disasters declared since 1953, most often floods and severe storms.

Around Onstad

Onstad and the towns around it

Very lowLowModerateHighVery high

Russiamostly inland floodingVery high

Onstadmostly inland floodingHigh

Kertsonvillemostly inland floodingHigh

Libertymostly inland floodingHigh

Godfreymostly inland floodingHigh

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. Onstad covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Onstad’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Onstad. 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 Onstad total about $2.4M 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.