Natural hazards · Stafford

Stafford, MN natural hazards

Most of the natural-hazard damage FEMA expects in Stafford 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 Stafford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stafford to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves13%Drought12%Wildfire12%Everything else7%

By hazard

What Stafford faces

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

Inland flooding

56% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 21 times a year in the area

Drought

12% of expected damage

Recorded about 22 times a year in the area

Wildfire

12% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Stafford flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Roseau County.

Disasters that hit Stafford

Federal disasters declared here

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

Brought FEMA money into StaffordDeclared for Roseau County only

Roseau County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around Stafford

Stafford and the towns around it

Very lowLowModerateHighVery high

Jadismostly inland floodingVery high

Malungmostly inland floodingHigh

Staffordmostly inland floodingHigh

Stokesmostly inland floodingHigh

Grimstadmostly inland floodingHigh

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. Stafford 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 Stafford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Stafford. 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.