Natural hazards · Racine

Racine, MN natural hazards

Most of the natural-hazard damage FEMA expects in Racine comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Racine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Racine to be higher than in 53% of U.S. communities, mostly from inland flooding and drought.

Inland flooding47%Drought17%Tornadoes14%Hail8%Cold waves7%Strong wind5%Everything else2%

By hazard

What Racine faces

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

Inland flooding

47% of expected damage

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

Recorded about 2 times a year in the area

Drought

17% of expected damage

Recorded about 22 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 6 years in the area

Hail

8% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

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

Recorded about 10 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Racine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mower County.

Disasters that hit Racine

Federal disasters declared here

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

Brought FEMA money into RacineDeclared for Mower County only

Mower County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Racine

Racine and the towns around it

Very lowLowModerateHighVery high

Sumnermostly inland floodingModerate

Racinemostly inland floodingModerate

Frankfordmostly inland floodingModerate

High Forestmostly 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. Racine 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 Racine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Racine. 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.