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Natural hazards · Wilmington

Wilmington, MN natural hazards

Most of the natural-hazard damage FEMA expects in Wilmington comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Wilmington?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wilmington to be higher than in 55% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves16%Tornadoes12%Hail8%Everything else8%
By hazard

What Wilmington faces

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

Inland flooding

55% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once a year in the area

Cold waves

16% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 7 years in the area

Hail

8% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Wilmington flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Wilmington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Houston County.
Disasters that hit Wilmington

6 federal disasters brought FEMA money here

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

Brought FEMA money into WilmingtonDeclared for Houston County only
2016

Severe Storms and Flooding

$15K to the Township of Wilmington for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

$140K to the Township of Wilmington for repairs
2010

Severe Storms, Tornadoes, and Flooding

$22K to the Township of Wilmington for repairs
2008

Severe Storms and Flooding

$126K to the Township of Wilmington for repairs
2007

Severe Storms and Flooding

$24K to the Township of Wilmington for repairs
2000

Severe Storms and Flooding

$40K to the Township of Wilmington for repairs
Houston County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Wilmington

Wilmington and the towns around it

Spring Grove: Moderate, mostly inland floodingCaledonia: Moderate, mostly inland floodingWinnebago: Moderate, mostly inland floodingSpring Grove: Moderate, mostly inland floodingBlack Hammer: Moderate, mostly inland floodingNewburg: Very high, mostly inland floodingMayville: Low, mostly inland floodingCaledonia: Low, mostly inland floodingSheldon: Very high, mostly inland floodingEitzen: Moderate, mostly inland floodingJefferson: Moderate, mostly inland floodingCrooked Creek: Moderate, mostly inland floodingWilmington: Moderate, mostly inland flooding WilmingtonSpring GroveCaledoniaWinnebagoSpring Grove
Very lowLowModerateHighVery high
Wilmingtonmostly inland floodingModerate
Spring Grovemostly inland floodingModerate
Caledoniamostly inland floodingModerate
Winnebagomostly inland floodingModerate
Spring Grovemostly inland floodingModerate
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. Wilmington covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Wilmington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Wilmington. 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 Wilmington total about $3.0M 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.

The coffee’s on

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You’re in Wilmington, MNHouston CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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