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Natural hazards · Scandia

Scandia, MN natural hazards

Most of the natural-hazard damage FEMA expects in Scandia comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2014. 1 federal disaster brought FEMA money into town.

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

How exposed is Scandia?

35
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scandia to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Cold waves11%Strong wind11%Hail6%Everything else7%
By hazard

What Scandia 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
Below average · higher than 44% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

19% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 43 years in the area

Cold waves

11% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 9 times a year in the area

Strong wind

11% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 4 times a year in the area

Hail

6% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 6 times a year in the area

Lower here

Ice 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 Scandia flood?

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

2paid claims since 2014
$27Kpaid to owners
0homes flooded more than once
20142026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Scandia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.

What’s been done with FEMA grants

1storm safe rooms built
Disasters that hit Scandia

1 federal disaster brought FEMA money here

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

Brought FEMA money into ScandiaDeclared for Washington County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$36K to the City of Scandia for repairs
Washington County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Scandia

Scandia and the towns around it

Farmington: Very low, mostly cold wavesForest Lake: Moderate, mostly inland floodingMay: Moderate, mostly inland floodingChisago Lake: Low, mostly inland floodingMarine on St. Croix: Moderate, mostly inland floodingFranconia: Moderate, mostly inland floodingChisago City: Low, mostly inland floodingOsceola: Very low, mostly cold wavesSomerset: Low, mostly inland floodingOsceola: Very low, mostly cold wavesAlden: Moderate, mostly inland floodingStar Prairie: Moderate, mostly inland floodingHugo: Moderate, mostly inland floodingColumbus: Low, mostly inland floodingWyoming: Moderate, mostly inland floodingStillwater: Moderate, mostly inland floodingCenter City: Low, mostly inland floodingLindstrom: Low, mostly inland floodingSunrise: High, mostly inland floodingShafer: Moderate, mostly inland floodingAmador: Moderate, mostly inland floodingStacy: High, mostly inland floodingShafer: Moderate, mostly inland floodingScandia: Low, mostly inland flooding ScandiaFarmingtonForest LakeMayChisago LakeMarine on St. CroixFranconiaChisago City
Very lowLowModerateHighVery high
Forest Lakemostly inland floodingModerate
Maymostly inland floodingModerate
Marine on St. Croixmostly inland floodingModerate
Franconiamostly inland floodingModerate
Chisago Lakemostly inland floodingLow
Scandiamostly inland floodingLow
Chisago Citymostly inland floodingLow
Farmingtonmostly cold wavesVery low
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. Scandia covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Scandia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Scandia. 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 Scandia total about $1.4M 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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