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Natural hazards · Proctor

Proctor, MN natural hazards

Most of the natural-hazard damage FEMA expects in Proctor comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2012. 4 federal disasters brought FEMA money into town.

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

How exposed is Proctor?

28
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Proctor to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding80%Tornadoes7%Lightning6%Everything else7%
By hazard

What Proctor faces

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

Inland flooding

80% of expected damage
Above average · higher than 57% of U.S. places
Recorded about once a year in the area

Tornadoes

7% of expected damage
Below average · higher than 45% of U.S. places

Lightning

6% of expected damage
Above average · higher than 72% of U.S. places

Lower here

HailIce stormsWildfireLandslidesStrong wind

Not a risk here

Coastal floodingHurricanesWinter weatherCold wavesHeat wavesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Proctor flood?

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

2paid claims since 2012
$21Kpaid to owners
1homes flooded more than once
20122026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Proctor 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 Proctor

4 federal disasters brought FEMA money here

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

Brought FEMA money into ProctorDeclared for St. Louis County only
2024

Severe Storms and Flooding

5 households applied for aid $28K aid approved
2012

Severe Storms and Flooding

$115K to the City of Proctor for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$97K to the City of Proctor for repairs
1999

Severe Storms, Winds, and Flooding

$86K to the City of Proctor for repairs
St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Proctor

Proctor and the towns around it

Midway: Low, mostly inland floodingDuluth: Low, mostly inland floodingThomson: High, mostly cold wavesSuperior: Moderate, mostly cold wavesSuperior: Low, mostly cold wavesHermantown: Low, mostly inland floodingRice Lake: Low, mostly inland floodingLakewood: Low, mostly inland floodingTwin Lakes: Low, mostly cold wavesCanosia: Low, mostly inland floodingOliver: Low, mostly cold wavesProctor: Low, mostly inland flooding ProctorMidwayDuluth
Very lowLowModerateHighVery high
Proctormostly inland floodingLow
Duluthmostly inland floodingLow
Midwaymostly 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. Proctor covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Proctor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Proctor. 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 Proctor total about $681K 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.

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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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