Natural hazards · Owens

Owens, MN natural hazards

Most of the natural-hazard damage FEMA expects in Owens comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Owens?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Owens to be higher than in 36% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves62%Inland flooding30%Everything else8%

By hazard

What Owens faces

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

Cold waves

62% of expected damage

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

Recorded about 17 times a year in the area

Inland flooding

30% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once 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 Owens flood?

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

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Owens

Federal disasters declared here

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

Brought FEMA money into OwensDeclared for St. Louis County only

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Owens

Owens and the towns around it

Very lowLowModerateHighVery high

Fieldmostly cold wavesModerate

Beattymostly inland floodingModerate

Owensmostly cold wavesLow

Cookmostly cold wavesLow

Angoramostly 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. Owens 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 Owens’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Owens. 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.