Natural hazards · Shafer

Shafer, MN natural hazards

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

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

Expected damage

How exposed is Shafer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shafer to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes15%Cold waves10%Strong wind8%Hail5%Everything else5%

By hazard

What Shafer faces

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

Inland flooding

56% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

15% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 33 years in the area

Cold waves

10% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 10 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 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 Shafer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chisago County.

Disasters that hit Shafer

Federal disasters declared here

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

Brought FEMA money into ShaferDeclared for Chisago County only

Chisago County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Shafer

Shafer and the towns around it

Very lowLowModerateHighVery high

Franconiamostly inland floodingModerate

Shafermostly inland floodingModerate

Taylors Fallsmostly inland floodingModerate

Amadormostly inland floodingModerate

Chisago Lakemostly inland floodingLow

St. Croix Fallsmostly cold wavesVery low

Osceolamostly 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. Shafer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shafer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Shafer. 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 Shafer total about $1.7M 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.