Natural hazards · Shamrock

Shamrock, MN natural hazards

Most of the natural-hazard damage FEMA expects in Shamrock comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shamrock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shamrock to be higher than in 66% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding67%Cold waves25%Everything else8%

By hazard

What Shamrock faces

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

Inland flooding

67% of expected damage

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

Recorded about once a year in the area

Cold waves

25% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 15 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 Shamrock flood?

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

of all homes
are insured

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

Insurance rates: Aitkin County.

Disasters that hit Shamrock

3 federal disasters brought FEMA money here

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

Brought FEMA money into ShamrockDeclared for Aitkin County only

2023

Severe Storms and Flooding

$15K to the Township of Shamrock for repairs

2012

Severe Storms and Flooding

$53K to the Township of Shamrock for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$28K to the Township of Shamrock for repairs

Aitkin County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around Shamrock

Shamrock and the towns around it

Very lowLowModerateHighVery high

Turnermostly inland floodingVery high

Workmanmostly inland floodingVery high

Shamrockmostly inland floodingHigh

McGregormostly inland floodingHigh

Haugenmostly 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. Shamrock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shamrock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Shamrock. 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 Shamrock total about $1.3M 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.