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Natural hazards · Somerset

Somerset, MN natural hazards

Most of the natural-hazard damage FEMA expects in Somerset comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2010. 5 federal disasters brought FEMA money into town.

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

How exposed is Somerset?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes16%Drought11%Strong wind10%Hail7%Cold waves7%Everything else1%
By hazard

What Somerset 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
Above average · higher than 59% of U.S. places
Recorded about once a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once every 7 years in the area

Drought

11% of expected damage
Recorded about 15 times a year in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Hail

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 5 times a year in the area

Cold waves

7% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 10 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 Somerset flood?

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

2paid claims since 2010
$4Kpaid to owners
0homes flooded more than once
20102026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Somerset isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steele County.
Disasters that hit Somerset

5 federal disasters brought FEMA money here

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

Brought FEMA money into SomersetDeclared for Steele County only
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$75K to the Township of Somerset for repairs
2016

Severe Storms and Flooding

$32K to the Township of Somerset for repairs
2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$8K to the Township of Somerset for repairs
2010

Severe Storms and Flooding

$7K to the Township of Somerset for repairs
2004

Severe Storms and Flooding

$8K to the Township of Somerset for repairs
Steele County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Somerset

Somerset and the towns around it

Owatonna: High, mostly inland floodingLemond: Moderate, mostly inland floodingSummit: Low, mostly inland floodingAurora: Moderate, mostly inland floodingOwatonna: Low, mostly inland floodingHavana: Moderate, mostly inland floodingMeriden: Moderate, mostly inland floodingClinton Falls: Moderate, mostly inland floodingOtisco: Moderate, mostly inland floodingBerlin: Moderate, mostly inland floodingEllendale: Low, mostly inland floodingBlooming Prairie: Low, mostly inland floodingRipley: Moderate, mostly inland floodingSomerset: Moderate, mostly inland flooding SomersetOwatonnaLemondSummitAurora
Very lowLowModerateHighVery high
Owatonnamostly inland floodingHigh
Somersetmostly inland floodingModerate
Lemondmostly inland floodingModerate
Auroramostly inland floodingModerate
Summitmostly 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. Somerset covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Somerset’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Somerset. 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 Somerset total about $3.0M 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/15 · 2025-01-01
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