Natural hazards · Minnesota

Minnesota, ND natural hazards

Most of the natural-hazard damage FEMA expects in Minnesota comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Minnesota?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minnesota to be higher than in 12% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves51%Inland flooding24%Everything else25%

By hazard

What Minnesota faces

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

Cold waves

51% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 22 times a year in the area

Inland flooding

24% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once every 9 years 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 Minnesota flood?

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

of all homes
are insured

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

Insurance rates: Burke County.

Disasters that hit Minnesota

Federal disasters declared here

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

Brought FEMA money into MinnesotaDeclared for Burke County only

Burke County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Minnesota

Minnesota and the towns around it

Very lowLowModerateHighVery high

Minnesotamostly cold wavesVery low

Lakeviewmostly cold wavesVery low

North Starmostly cold wavesVery low

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