Natural hazards · Spruce

Spruce, MN natural hazards

Most of the natural-hazard damage FEMA expects in Spruce comes from inland flooding, and overall the risk is very high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spruce?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spruce to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding84%Cold waves5%Everything else11%

By hazard

What Spruce faces

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

Inland flooding

84% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 21 times a year in the area

Lower here

TornadoesHailIce 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 Spruce flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Roseau County.

Disasters that hit Spruce

6 federal disasters brought FEMA money here

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

Brought FEMA money into SpruceDeclared for Roseau County only

2011

Severe Storms and Flooding

$10K to the Township of Spruce for repairs

2009

Severe Storms and Flooding

$12K to the Township of Spruce for repairs

2006

Flooding

$54K to the Township of Spruce for repairs

2002

Severe Storms, Flooding and Tornadoes

$77K to the Township of Spruce for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$1K to the Township of Spruce for repairs

1999

Severe Ice Storm and Flooding

$3K to the Township of Spruce for repairs

Roseau County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around Spruce

Spruce and the towns around it

Very lowLowModerateHighVery high

Sprucemostly inland floodingVery high

Roseaumostly inland floodingVery high

Jadismostly inland floodingVery high

Malungmostly inland floodingHigh

Enstrommostly inland floodingHigh

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