Natural hazards · St. Michael

St. Michael, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Michael 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. Michael?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Michael to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes17%Strong wind13%Hail6%Everything else11%

By hazard

What St. Michael faces

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

Inland flooding

53% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 80% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% 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. Michael flood?

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

of all homes
are insured

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

Insurance rates: Wright County.

Disasters that hit St. Michael

Federal disasters declared here

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

Brought FEMA money into St. MichaelDeclared for Wright County only

Wright County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around St. Michael

St. Michael and the towns around it

Very lowLowModerateHighVery high

Rockfordmostly inland floodingHigh

Hanovermostly inland floodingModerate

Otsegomostly inland floodingModerate

St. Michaelmostly inland floodingLow

Albertvillemostly inland floodingLow

Rogersmostly inland floodingLow

Buffalomostly 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. Michael covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to St. Michael’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Michael. 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. Michael total about $7.1M 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.