Natural hazards · St. Clair

St. Clair, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Clair comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 2010. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Clair?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Clair to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves19%Tornadoes7%Strong wind7%Everything else11%

By hazard

What St. Clair faces

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

Inland flooding

56% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 10 years in the area

Strong wind

7% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 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 St. Clair flood?

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

7paid claims since 2010

$197Kpaid to owners

1homes flooded more than once

20102026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Blue Earth County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit St. Clair

4 federal disasters brought FEMA money here

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

Brought FEMA money into St. ClairDeclared for Blue Earth County only

2024

Severe Storms and Flooding

4 households applied for aid $10K aid approved $14K to the City of St. Clair for repairs

2016

Severe Storms and Flooding

52 households applied for aid $223K aid approved $758K to the City of St. Clair for repairs

2014

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

$10K to the City of St. Clair for repairs

2010

Flooding

$131K to the City of St. Clair for repairs

Blue Earth County has had 20 natural disasters declared since 1953, most often floods and severe storms.

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. St. Clair 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 St. Clair’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Clair. 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.

St. Clair, MN natural hazards

How exposed is St. Clair?

What St. Clair faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does St. Clair flood?

Homes that flooded again and again

What’s been done with FEMA grants

4 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

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

Flooding

How to read this page

Where to, neighbor?

Matches

Nearby