Natural hazards · Underwood

Underwood, MN natural hazards

Most of the natural-hazard damage FEMA expects in Underwood comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Underwood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Underwood to be higher than in 21% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves18%Tornadoes13%Everything else10%

By hazard

What Underwood faces

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

Inland flooding

59% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

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

Recorded about 15 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 22 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Underwood flood?

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

of all homes
are insured

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

Insurance rates: Otter Tail County.

Disasters that hit Underwood

Federal disasters declared here

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

Brought FEMA money into UnderwoodDeclared for Otter Tail County only

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

Around Underwood

Underwood and the towns around it

Very lowLowModerateHighVery high

Tordenskjoldmostly inland floodingLow

Underwoodmostly inland floodingLow

Sverdrupmostly inland floodingLow

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