Natural hazards · Steamboat River

Steamboat River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Steamboat River comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is Steamboat River?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steamboat River to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves11%Tornadoes8%Everything else11%

By hazard

What Steamboat River faces

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

Inland flooding

70% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 4 years in the area

Cold waves

11% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 15 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Steamboat River flood?

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

1paid claims since 2015

$10Kpaid to owners

0homes flooded more than once

20152026

of all homes
are insured

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

Insurance rates: Hubbard County.

Disasters that hit Steamboat River

Federal disasters declared here

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

Brought FEMA money into Steamboat RiverDeclared for Hubbard County only

Hubbard County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Steamboat River

Steamboat River and the towns around it

Very lowLowModerateHighVery high

Steamboat Rivermostly inland floodingLow

Lakeportmostly inland floodingLow

Thorpemostly inland floodingLow

Akeleymostly inland floodingLow

Shingobeemostly inland floodingVery low

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. Steamboat River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Steamboat River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Steamboat River. 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 Steamboat River total about $1.0M 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.