Natural hazards · Ramsey

Ramsey, MN natural hazards

Most of the natural-hazard damage FEMA expects in Ramsey comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1997.

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

Expected damage

How exposed is Ramsey?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ramsey to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding75%Strong wind8%Tornadoes6%Everything else12%

By hazard

What Ramsey faces

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

Inland flooding

75% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 2 years in the area

Strong wind

8% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 56% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat 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 Ramsey flood?

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

5paid claims since 1997

$7Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Anoka County.

Disasters that hit Ramsey

Federal disasters declared here

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

Brought FEMA money into RamseyDeclared for Anoka County only

Anoka County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Ramsey

Ramsey and the towns around it

Very lowLowModerateHighVery high

Ramseymostly inland floodingHigh

Anokamostly inland floodingHigh

Daytonmostly inland floodingHigh

Andovermostly inland floodingModerate

Elk Rivermostly inland floodingLow

Nowthenmostly 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. Ramsey covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Ramsey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ramsey. 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 Ramsey total about $12.7M 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.