Natural hazards · Windom

Windom, MN natural hazards

Most of the natural-hazard damage FEMA expects in Windom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 28 claims here since 1978.

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

Expected damage

How exposed is Windom?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windom to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes14%Drought12%Hail6%Cold waves5%Everything else6%

By hazard

What Windom faces

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

Inland flooding

57% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 10 years in the area

Drought

12% of expected damage

Recorded about 15 times a year in the area

Hail

6% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 10 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Windom flood?

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

28paid claims since 1978

$967Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

June Midwest Flooding: 2 claims, $82K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mower County.

Disasters that hit Windom

Federal disasters declared here

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

Brought FEMA money into WindomDeclared for Mower County only

Mower County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Windom

Windom and the towns around it

Very lowLowModerateHighVery high

Austinmostly inland floodingVery high

Marshallmostly inland floodingHigh

Nevadamostly inland floodingHigh

Windommostly inland floodingHigh

Red Rockmostly 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. Windom covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Windom’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Windom. 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 Windom total about $3.2M 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.