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Natural hazards · Roseau

Roseau, MN natural hazards

Most of the natural-hazard damage FEMA expects in Roseau comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 182 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Roseau?

82
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roseau to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding84%Cold waves5%Everything else11%
By hazard

What Roseau faces

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

Inland flooding

84% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once a year in the area

Cold waves

5% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 21 times 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 Roseau flood?

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

182paid claims since 1979
$2.9Mpaid to owners
1homes flooded more than once
19792026

Biggest named events

  • Torrential rain: 176 claims, $2.9M
  • Not a named storm: 1 claim, $1K

Homes that flooded again and again

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

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

What’s been done with FEMA grants

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into RoseauDeclared for Roseau County only
2022

Severe Storms, Straight-Line Winds, and Flooding

$305K to the City of Roseau for repairs
2011

Severe Storms and Flooding

$5K to the City of Roseau for repairs
2009

Severe Storms and Flooding

$130K to the City of Roseau for repairs
2006

Flooding

$66K to the City of Roseau for repairs
2002

Severe Storms, Flooding and Tornadoes

$7.6M to the City of Roseau for repairs
Roseau County has had 24 natural disasters declared since 1953, most often floods and severe storms.
Around Roseau

Roseau and the towns around it

Jadis: Very high, mostly inland floodingSpruce: Very high, mostly inland floodingStafford: High, mostly inland floodingRoss: High, mostly inland floodingDieter: High, mostly inland floodingMalung: High, mostly inland floodingEnstrom: High, mostly inland floodingRoseau: Very high, mostly inland flooding RoseauJadisSpruce
Very lowLowModerateHighVery high
Roseaumostly inland floodingVery high
Jadismostly inland floodingVery high
Sprucemostly inland floodingVery high
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. Roseau covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Roseau’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Roseau. 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 Roseau total about $4.4M 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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