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Natural hazards · Pine Island

Pine Island, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pine Island comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 36 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

How exposed is Pine Island?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Island to be higher than in 67% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes18%Strong wind10%Cold waves6%Hail6%Everything else5%
By hazard

What Pine Island faces

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

Inland flooding

55% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 19 years in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 9 times a year in the area

Hail

6% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 6 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 Pine Island flood?

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

36paid claims since 1979
$746Kpaid to owners
7homes flooded more than once
19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Pine Island isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Goodhue County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Pine Island

3 federal disasters brought FEMA money here

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

Brought FEMA money into Pine IslandDeclared for Goodhue County only
2024

Severe Storms and Flooding

$11K to the City of Pine Island for repairs
2010

Severe Storms and Flooding

$409K to the City of Pine Island for repairs
2002

Severe Storms, Flooding and Tornadoes

$7K to the City of Pine Island for repairs
Goodhue County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Pine Island

Pine Island and the towns around it

New Haven: Low, mostly inland floodingPine Island: High, mostly inland floodingOronoco: Moderate, mostly inland floodingMilton: High, mostly inland floodingKalmar: Low, mostly inland floodingOronoco: Moderate, mostly inland floodingRoscoe: High, mostly inland floodingZumbrota: High, mostly inland floodingMazeppa: High, mostly inland floodingZumbrota: High, mostly inland floodingMazeppa: High, mostly inland floodingCascade: Moderate, mostly inland floodingFarmington: Moderate, mostly inland floodingPine Island: High, mostly inland flooding Pine IslandNew HavenPine IslandOronoco
Very lowLowModerateHighVery high
Pine Islandmostly inland floodingHigh
Pine Islandmostly inland floodingHigh
Oronocomostly inland floodingModerate
New Havenmostly 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. Pine Island 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 Pine Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine Island. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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