Natural hazards · Tracy

Tracy, MN natural hazards

Most of the natural-hazard damage FEMA expects in Tracy comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Tracy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tracy to be higher than in 11% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves37%Inland flooding34%Tornadoes13%Everything else16%

By hazard

What Tracy faces

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

Cold waves

37% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 13 times a year in the area

Inland flooding

34% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 84% of U.S. places

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 Tracy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lyon County.

Disasters that hit Tracy

Federal disasters declared here

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

Brought FEMA money into TracyDeclared for Lyon County only

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

Around Tracy

Tracy and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Tracymostly cold wavesVery 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. Tracy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tracy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tracy. 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 Tracy total about $792K 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.