Natural hazards · Zumbro

Zumbro, MN natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Zumbro to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes12%Strong wind7%Hail6%Everything else6%

By hazard

What Zumbro faces

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

Inland flooding

69% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 7 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 90% of U.S. places

Recorded about 6 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 Zumbro flood?

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

of all homes
are insured

No community discount. Zumbro 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 Zumbro

1 federal disaster brought FEMA money here

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

Brought FEMA money into ZumbroDeclared for Wabasha County only

2010

Severe Storms and Flooding

$23K to the Township of Zumbro for repairs

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

Around Zumbro

Zumbro and the towns around it

Very lowLowModerateHighVery high

Zumbromostly inland floodingHigh

Mazeppamostly inland floodingHigh

Hyde Parkmostly inland floodingHigh

Hammondmostly inland floodingHigh

Zumbro Fallsmostly inland floodingHigh

Oakwoodmostly 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. Zumbro 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 Zumbro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Zumbro. 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.