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Natural hazards · St. Mary

St. Mary, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Mary comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2010. 5 federal disasters brought FEMA money into town.

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

How exposed is St. Mary?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Mary to be higher than in 46% of U.S. communities, mostly from inland flooding and drought.

Inland flooding35%Drought20%Cold waves15%Strong wind12%Tornadoes10%Hail7%Everything else2%
By hazard

What St. Mary faces

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

Inland flooding

35% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once every 2 years in the area

Drought

20% of expected damage
Recorded about 14 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 10 times a year in the area

Strong wind

12% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 6 years in the area

Hail

7% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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. Mary flood?

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

2paid claims since 2010
$20Kpaid to owners
0homes flooded more than once
20102026
of all homes
are insured
No community discount. St. Mary isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Waseca County.
Disasters that hit St. Mary

5 federal disasters brought FEMA money here

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

Brought FEMA money into St. MaryDeclared for Waseca County only
2024

Severe Storms and Flooding

$16K to the Township of St. Mary for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$16K to the Township of St. Mary for repairs
2016

Severe Storms and Flooding

$47K to the Township of St. Mary for repairs
2014

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

$7K to the Township of St. Mary for repairs
2010

Severe Storms and Flooding

$6K to the Township of St. Mary for repairs
Waseca County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around St. Mary

St. Mary and the towns around it

Waseca: Low, mostly inland floodingIosco: Moderate, mostly inland floodingAlton: Moderate, mostly inland floodingWilton: Moderate, mostly inland floodingWoodville: Moderate, mostly inland floodingJanesville: Moderate, mostly inland floodingWaterville: High, mostly inland floodingBlooming Grove: Moderate, mostly inland floodingMcPherson: High, mostly inland floodingFreedom: Moderate, mostly inland floodingOtisco: Moderate, mostly inland floodingByron: Moderate, mostly inland floodingMeriden: Moderate, mostly inland floodingSt. Mary: Moderate, mostly inland flooding St. MaryWasecaIoscoAltonWiltonWoodville
Very lowLowModerateHighVery high
St. Marymostly inland floodingModerate
Altonmostly inland floodingModerate
Wiltonmostly inland floodingModerate
Woodvillemostly inland floodingModerate
Ioscomostly inland floodingModerate
Wasecamostly 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. Mary covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Mary’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of St. Mary. 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. Mary 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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