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Natural hazards · St. Peter

St. Peter, MN natural hazards

Most of the natural-hazard damage FEMA expects in St. Peter comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1984. 5 federal disasters brought FEMA money into town.

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

How exposed is St. Peter?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Peter to be higher than in 69% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves20%Tornadoes9%Strong wind9%Everything else9%
By hazard

What St. Peter faces

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

Inland flooding

52% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once a year in the area

Cold waves

20% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 11 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 90% of U.S. places

Strong wind

9% 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. Peter flood?

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

13paid claims since 1984
$99Kpaid to owners
1homes flooded more than once
19842026

Biggest named events

  • Severe flooding: 2 claims, $7K

Homes that flooded again and again

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

of all homes
are insured
No community discount. St. Peter isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Nicollet County.

What’s been done with FEMA grants

15flood-prone properties bought out and cleared
Disasters that hit St. Peter

5 federal disasters brought FEMA money here

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

Brought FEMA money into St. PeterDeclared for Nicollet County only
2024

Severe Storms and Flooding

13 households applied for aid $34K aid approved $79K to the City of St. Peter for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$33K to the City of St. Peter for repairs
2011

Severe Storms and Flooding

$9K to the City of St. Peter for repairs
2010

Flooding

$43K to the City of St. Peter for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$296K to the City of St. Peter for repairs
Nicollet County has had 18 natural disasters declared since 1953, most often floods and severe storms.
Around St. Peter

St. Peter and the towns around it

Kasota: Moderate, mostly inland floodingTraverse: Moderate, mostly inland floodingKasota: Moderate, mostly inland floodingOshawa: Moderate, mostly inland floodingBelgrade: Moderate, mostly inland floodingCleveland: Moderate, mostly inland floodingWashington: Moderate, mostly inland floodingLime: Low, mostly cold wavesMankato: Low, mostly cold wavesOttawa: Moderate, mostly inland floodingJamestown: Low, mostly cold wavesLake Prairie: Moderate, mostly inland floodingGranby: Moderate, mostly inland floodingSt. Peter: High, mostly inland flooding St. PeterKasotaTraverseKasotaOshawa
Very lowLowModerateHighVery high
St. Petermostly inland floodingHigh
Traversemostly inland floodingModerate
Oshawamostly inland floodingModerate
Kasotamostly inland floodingModerate
Kasotamostly inland floodingModerate
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. Peter covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Peter’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Peter. 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. Peter total about $4.8M 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/18 · 2025-01-01
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