Natural hazards · Toivola

Toivola, MN natural hazards

Most of the natural-hazard damage FEMA expects in Toivola comes from cold waves, 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 Toivola?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toivola to be higher than in 76% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves51%Inland flooding41%Everything else8%

By hazard

What Toivola faces

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

Cold waves

51% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

41% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Toivola flood?

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

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Toivola

Federal disasters declared here

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

Brought FEMA money into ToivolaDeclared for St. Louis County only

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Toivola

Toivola and the towns around it

Very lowLowModerateHighVery high

Toivolamostly cold wavesHigh

Kelseymostly cold wavesHigh

Lavellmostly cold wavesHigh

Meadowlandsmostly cold wavesHigh

Cedar Valleymostly cold wavesHigh

Elmermostly cold wavesHigh

McDavittmostly cold wavesHigh

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. Toivola covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Toivola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Toivola. 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 Toivola total about $2.8M 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.