Natural hazards · Shorewood

Shorewood, MN natural hazards

Most of the natural-hazard damage FEMA expects in Shorewood comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Shorewood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shorewood to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves20%Tornadoes17%Heat waves8%Hail7%Everything else3%

By hazard

What Shorewood faces

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

Inland flooding

45% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 81% of U.S. places

Heat waves

8% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Hail

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Shorewood flood?

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

3paid claims since 1978

$7Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hennepin County.

Disasters that hit Shorewood

1 federal disaster brought FEMA money here

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

Brought FEMA money into ShorewoodDeclared for Hennepin County only

2016

Severe Storms and Flooding

1 household applied for aid

Hennepin County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Shorewood

Shorewood and the towns around it

Very lowLowModerateHighVery high

Deephavenmostly inland floodingLow

Shorewoodmostly inland floodingLow

Chanhassenmostly inland floodingLow

Minnetristamostly inland floodingLow

Minnetonkamostly inland floodingLow

Excelsiormostly inland floodingLow

Greenwoodmostly inland floodingLow

Tonka Baymostly inland floodingLow

Victoriamostly inland floodingLow

Oronomostly inland floodingLow

Moundmostly inland floodingLow

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. Shorewood covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Shorewood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Shorewood. 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 Shorewood total about $3.1M 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.