Natural hazards · White

White, MN natural hazards

Most of the natural-hazard damage FEMA expects in White comes from cold waves, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White to be higher than in 28% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves67%Inland flooding25%Everything else9%

By hazard

What White faces

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

Cold waves

67% of expected damage

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

Recorded about 17 times a year in the area

Inland flooding

25% of expected damage

Above average · higher than 57% 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 White flood?

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

of all homes
are insured

No community discount. White 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 White

4 federal disasters brought FEMA money here

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

Brought FEMA money into WhiteDeclared for St. Louis County only

2024

Severe Storms and Flooding

$465K to the Township of White for repairs

2023

Severe Storms and Flooding

$88K to the Township of White for repairs

2012

Severe Storms and Flooding

$66K to the Township of White for repairs

1999

Severe Storms, Winds, and Flooding

$172K to the Township of White for repairs

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

Around White

White and the towns around it

Very lowLowModerateHighVery high

Colvinmostly cold wavesModerate

Embarrassmostly cold wavesModerate

Biwabikmostly cold wavesLow

Whitemostly cold wavesLow

Hoyt Lakesmostly 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. White covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to White’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White. 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 White total about $4.0M 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.