Photo: Lorie Shaull · CC BY 2.0FEMA expects about as much hazard damage per building in Cohasset as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Cohasset gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #190 of 274 in Minnesota. Most of that expected damage is river and rain flooding (96%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Cohasset faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Cohasset’s grade
River and rain flooding is 96% of the building damage FEMA expects in Cohasset, and Cohasset’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ #190 of 274 in Minnesota; higher expected damage per building than 59% of U.S. towns (21,298).
Cohasset’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Cohasset has more expected damage per building than 69% of Minnesota towns.
In dollars, FEMA expects about $1.9M a year in losses across Cohasset: $940K to buildings, the rest to people and crops.
Does Cohasset flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cohasset. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cohasset isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Itasca County.The storms Cohasset remembers
None of the 12 disasters declared for Itasca County shows FEMA aid or repair money reaching Cohasset itself in FEMA’s records, so these are its biggest flood-claim years.
Itasca County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Cohasset and its neighbors
Cohasset is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Grand Rapids | A−less damage than 76% | river and rain flooding | 1 |
| Cohasset | C+more damage than 59% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Cohasset faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Cohasset
Is Cohasset at risk for natural disasters?
On FEMA’s National Risk Index, Cohasset has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #190 of 274 in Minnesota. Most of the expected damage is river and rain flooding (96%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cohasset in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Itasca County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Cohasset?
FEMA’s Community Rating System list shows no discount for Cohasset’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cohasset at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Cohasset’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cohasset.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cohasset’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.