Natural hazards · St. Stephen

St. Stephen, MN natural hazards

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

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

Expected damage

How exposed is St. Stephen?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Stephen to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes12%Cold waves7%Strong wind6%Hail6%Everything else6%

By hazard

What St. Stephen faces

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

Inland flooding

64% of expected damage

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 19 years in the area

Cold waves

7% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 13 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Lower here

Ice 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. Stephen flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit St. Stephen

Federal disasters declared here

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

Brought FEMA money into St. StephenDeclared for Stearns County only

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

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. Stephen 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. Stephen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Stephen. 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.