Natural hazards · Swan River

Swan River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Swan River comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Swan River?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Swan River to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes7%Cold waves6%Strong wind5%Everything else13%

By hazard

What Swan River faces

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

Inland flooding

69% of expected damage

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

Recorded about once a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 11 years in the area

Cold waves

6% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 13 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 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 Swan River flood?

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

of all homes
are insured

No community discount. Swan 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: Morrison County.

Disasters that hit Swan River

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Swan River itself: aid to households, or repair grants to the Township of Swan River.

Brought FEMA money into Swan RiverDeclared for Morrison County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$11K to the Township of Swan River for repairs

Morrison County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Swan River

Swan River and the towns around it

Very lowLowModerateHighVery high

Bellevuemostly inland floodingVery high

Little Fallsmostly inland floodingVery high

Pike Creekmostly inland floodingHigh

Swan Rivermostly inland floodingHigh

Sobieskimostly inland floodingHigh

Swanvillemostly inland floodingHigh

Two Riversmostly 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. Swan River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Swan River’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Swan 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 Swan River total about $3.3M 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.