Natural hazards · Spruce Hill

Spruce Hill, MN natural hazards

Most of the natural-hazard damage FEMA expects in Spruce Hill comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spruce Hill?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spruce Hill to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves22%Tornadoes13%Strong wind7%Everything else10%

By hazard

What Spruce Hill faces

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

Inland flooding

49% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 3 years in the area

Cold waves

22% of expected damage

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

Recorded about 14 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 9 years in the area

Strong wind

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce 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 Spruce Hill flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Spruce Hill

2 federal disasters brought FEMA money here

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

Brought FEMA money into Spruce HillDeclared for Douglas County only

2009

Severe Storms and Flooding

$14K to the Township of Spruce Hill for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$5K to the Township of Spruce Hill for repairs

Douglas County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Spruce Hill

Spruce Hill and the towns around it

Very lowLowModerateHighVery high

Belle Rivermostly inland floodingLow

Spruce Hillmostly inland floodingLow

Miltonamostly inland floodingLow

Burleenemostly inland floodingLow

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