Natural hazards · Royal

Royal, MN natural hazards

Most of the natural-hazard damage FEMA expects in Royal comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2010.

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

Expected damage

How exposed is Royal?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Royal to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding48%Hail14%Cold waves11%Drought7%Tornadoes6%Everything else13%

By hazard

What Royal faces

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

Inland flooding

48% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Hail

14% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 5 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 13 times a year in the area

Drought

7% of expected damage

Recorded about 10 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Royal flood?

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

1paid claims since 2010

$7Kpaid to owners

0homes flooded more than once

20102026

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Royal

Federal disasters declared here

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

Brought FEMA money into RoyalDeclared for Lincoln County only

Lincoln County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Royal

Royal and the towns around it

Very lowLowModerateHighVery high

Royalmostly inland floodingHigh

Ivanhoemostly inland floodingHigh

Hendricksmostly inland floodingHigh

Limestonemostly inland floodingHigh

Marblemostly inland floodingHigh

Ash Lakemostly inland floodingHigh

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. Royal covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Royal’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Royal. 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 Royal total about $4.2M 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.