Natural hazards · Santiago

Santiago, MN natural hazards

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

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

Expected damage

How exposed is Santiago?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Santiago to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes11%Strong wind8%Cold waves6%Everything else15%

By hazard

What Santiago faces

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

Inland flooding

60% of expected damage

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

Recorded about once every 5 years in the area

Tornadoes

11% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 23 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

Cold waves

6% of expected damage

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

Recorded about 11 times a year in the area

Lower here

HailIce stormsWinter weatherHeat 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 Santiago flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sherburne County.

Disasters that hit Santiago

Federal disasters declared here

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

Brought FEMA money into SantiagoDeclared for Sherburne County only

Sherburne County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Santiago

Santiago and the towns around it

Very lowLowModerateHighVery high

Santiagomostly inland floodingHigh

Blue Hillmostly inland floodingHigh

Beckermostly inland floodingModerate

Palmermostly inland floodingModerate

Glendoradomostly inland floodingModerate

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