Natural hazards · St. Lawrence

St. Lawrence, MN natural hazards

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

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

Expected damage

How exposed is St. Lawrence?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Lawrence to be higher than in 54% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding42%Strong wind19%Tornadoes17%Cold waves11%Everything else11%

By hazard

What St. Lawrence faces

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

Inland flooding

42% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Strong wind

19% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 29 years in the area

Cold waves

11% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 10 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. Lawrence flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Scott County.

Disasters that hit St. Lawrence

Federal disasters declared here

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

Brought FEMA money into St. LawrenceDeclared for Scott County only

Scott County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around St. Lawrence

St. Lawrence and the towns around it

Very lowLowModerateHighVery high

Jordanmostly inland floodingVery high

Sand Creekmostly inland floodingHigh

St. Lawrencemostly inland floodingModerate

Belle Plainemostly inland floodingModerate

San Franciscomostly 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. Lawrence 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. Lawrence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of St. Lawrence. 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.