Natural hazards · Splithand

Splithand, MN natural hazards

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

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Splithand to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves41%Strong wind5%Everything else9%

By hazard

What Splithand 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

Well above average · higher than 83% of U.S. places

Recorded about once every 3 years in the area

Cold waves

41% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 17 times a year in the area

Strong wind

5% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Splithand flood?

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

of all homes
are insured

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

Insurance rates: Itasca County.

Disasters that hit Splithand

Federal disasters declared here

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

Brought FEMA money into SplithandDeclared for Itasca County only

Itasca County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Splithand

Splithand and the towns around it

Very lowLowModerateHighVery high

Splithandmostly inland floodingModerate

Sagomostly inland floodingModerate

Blackberrymostly inland floodingModerate

Wildwoodmostly cold wavesModerate

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