Natural hazards · Spring Valley

Spring Valley, MN natural hazards

Most of the natural-hazard damage FEMA expects in Spring Valley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 30 claims here since 2000. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spring Valley?

Moderate

vs. U.S. communities

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

Inland flooding60%Tornadoes17%Cold waves14%Everything else8%

By hazard

What Spring Valley faces

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

Inland flooding

60% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 18 years in the area

Cold waves

14% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 10 times a year in the area

Lower here

HailIce 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 Spring Valley flood?

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

30paid claims since 2000

$228Kpaid to owners

5homes flooded more than once

20002026

Biggest named events

Severe flooding: 6 claims, $39K
June Midwest Flooding: 1 claim, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fillmore County.

What’s been done with FEMA grants

9flood-prone properties bought out and cleared

Disasters that hit Spring Valley

2 federal disasters brought FEMA money here

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

Brought FEMA money into Spring ValleyDeclared for Fillmore County only

2007

Severe Storms and Flooding

12 households applied for aid $36K aid approved

2000

Severe Storms and Flooding

$46K to the City of Spring Valley for repairs

Fillmore County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Spring Valley

Spring Valley and the towns around it

Very lowLowModerateHighVery high

Spring Valleymostly 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. Spring Valley 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 Spring Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spring Valley. 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.