Natural hazards · St. Francis

St. Francis, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Francis comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is St. Francis?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Francis to be higher than in 34% of U.S. communities, mostly from inland flooding.

Inland flooding54%Strong wind14%Tornadoes11%Hail7%Everything else15%

By hazard

What St. Francis faces

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

Inland flooding

54% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 2 years in the area

Strong wind

14% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 56% of U.S. places

Hail

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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. Francis flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Anoka County.

Disasters that hit St. Francis

Federal disasters declared here

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

Brought FEMA money into St. FrancisDeclared for Anoka County only

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

Around St. Francis

St. Francis and the towns around it

Very lowLowModerateHighVery high

Stanfordmostly inland floodingHigh

Athensmostly inland floodingModerate

Oak Grovemostly inland floodingModerate

East Bethelmostly inland floodingModerate

Nowthenmostly inland floodingLow

St. Francismostly inland floodingLow

Livoniamostly inland floodingLow

Bethelmostly 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. St. Francis covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to St. Francis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Francis. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across St. Francis total about $2.2M a year, counting buildings, people and crops.

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.