Natural hazards · Watopa

Watopa, MN natural hazards

Most of the natural-hazard damage FEMA expects in Watopa comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1997.

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

Expected damage

How exposed is Watopa?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Watopa to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes11%Strong wind7%Hail6%Everything else8%

By hazard

What Watopa faces

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

Inland flooding

68% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 9 years in the area

Strong wind

7% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Watopa flood?

Every paid claim on a federal flood insurance policy in Watopa, from FEMA’s records.

5paid claims since 1997

$22Kpaid to owners

0homes flooded more than once

19972026

of all homes
are insured

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

Insurance rates: Wabasha County.

Disasters that hit Watopa

Federal disasters declared here

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

Brought FEMA money into WatopaDeclared for Wabasha County only

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

Around Watopa

Watopa and the towns around it

Very lowLowModerateHighVery high

Watopamostly inland floodingHigh

Highlandmostly inland floodingHigh

Minneiskamostly inland floodingHigh

Greenfieldmostly inland floodingHigh

Whitewatermostly 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. Watopa covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Watopa’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Watopa. 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 Watopa 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.