Photo: Jonathunder · CC BY-SA 3.0FEMA puts Coleraine’s expected hazard damage per building below that of 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coleraine gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (94%). 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 Coleraine 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 Coleraine’s grade
River and rain flooding is 94% of the building damage FEMA expects in Coleraine, and Coleraine’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
Coleraine’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Coleraine: $372K to buildings, the rest to people and crops.
Does Coleraine flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Coleraine. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Coleraine 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.2 federal disasters brought FEMA money to Coleraine
Disasters that paid out in Coleraine itself (aid to households or repair grants to the City of Coleraine), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$4K to the City of Coleraine for repairs
- 1999Severe Storms, Winds, and Flooding$7K to the City of Coleraine for repairs
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.
Old photos of Coleraine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coleraine archive →Coleraine and its neighbors
Coleraine has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Coleraine | A−less damage than 80% | river and rain flooding | 0 |
| Grand Rapids | A−less damage than 76% | river and rain flooding | 1 |
| Trout Lake Township | B−less damage than 55% | river and rain flooding | — |
| La Prairie | — | 592 residents; we grade 1,000+ | |
| Taconite | — | 468 residents; we grade 1,000+ | |
| Bovey | — | 646 residents; we grade 1,000+ | |
| Arbo Township | — | 959 residents; we grade 1,000+ | |
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 Coleraine 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 Coleraine
Is Coleraine at risk for natural disasters?
On FEMA’s National Risk Index, Coleraine has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Coleraine 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 Coleraine?
FEMA’s Community Rating System list shows no discount for Coleraine’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Coleraine?
By FEMA money that reached Coleraine, Severe Storms, Winds, and Flooding (1999): $7K to the City of Coleraine for repairs.
Is Coleraine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Coleraine’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coleraine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coleraine’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.