Natural hazards · Utica

Utica, MN natural hazards

Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is low 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 Utica?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes15%Cold waves14%Hail6%Everything else9%

By hazard

What Utica faces

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

Inland flooding

56% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 12 years in the area

Cold waves

14% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 8 times a year in the area

Hail

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice 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 Utica flood?

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

of all homes
are insured

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

Insurance rates: Winona County.

Disasters that hit Utica

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Utica itself: aid to households, or repair grants to the City of Utica.

Brought FEMA money into UticaDeclared for Winona County only

2007

Severe Storms and Flooding

82 households applied for aid $320K aid approved

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

Around Utica

Utica and the towns around it

Very lowLowModerateHighVery high

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