Natural hazards · Skandia

Skandia, MN natural hazards

Most of the natural-hazard damage FEMA expects in Skandia 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 Skandia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Skandia to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding44%Drought15%Hail13%Tornadoes9%Cold waves8%Strong wind6%Everything else6%

By hazard

What Skandia faces

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

Inland flooding

44% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 11 times a year in the area

Hail

13% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

8% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 12 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Skandia flood?

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

of all homes
are insured

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

Insurance rates: Murray County.

Disasters that hit Skandia

Federal disasters declared here

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

Brought FEMA money into SkandiaDeclared for Murray County only

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

Around Skandia

Skandia and the towns around it

Very lowLowModerateHighVery high

Skandiamostly inland floodingModerate

Ellsboroughmostly inland floodingModerate

Lowvillemostly inland floodingModerate

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