For strong wind, Credit River’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Credit River gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #179 of 274 in Minnesota. Most of that expected damage is river and rain flooding (55%), then strong wind (24%). 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 Credit River 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
Strong wind
Tornadoes
Hail
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 Credit River’s grade
River and rain flooding is 55% of the building damage FEMA expects in Credit River, and Credit River’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Strong wind adds 24%, at a rate in the top 1% of U.S. census tracts.
B− #179 of 274 in Minnesota; higher expected damage per building than 55% of U.S. towns (21,298).
Credit River’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, Credit River has more expected damage per building than 65% of Minnesota towns.
In dollars, FEMA expects about $2.6M a year in losses across Credit River: $1.9M to buildings, the rest to people and crops.
Does Credit River flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Credit River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Credit River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Scott County.The storms Credit River remembers
None of the 12 disasters declared for Scott County shows FEMA aid or repair money reaching Credit River itself in FEMA’s records, so these are its biggest flood-claim years.
Scott County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Credit River and its neighbors
Credit River is 5th of the 6 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 |
|---|---|---|---|
| New Market Township | B−less damage than 54% | river and rain flooding | — |
| Lakeville | B−less damage than 54% | river and rain flooding | 3 |
| Savage | B−more damage than 52% | river and rain flooding | 2 |
| Spring Lake Township | B−more damage than 54% | river and rain flooding | — |
| Credit River | B−more damage than 55% | river and rain flooding | 0 |
| Prior Lake | C+more damage than 57% | river and rain flooding | 46 |
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 Credit River 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Credit River
Is Credit River at risk for natural disasters?
On FEMA’s National Risk Index, Credit River has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #179 of 274 in Minnesota. Most of the expected damage is river and rain flooding (55%) and strong wind (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Credit River 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 Scott County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Credit River?
FEMA’s Community Rating System list shows no discount for Credit River’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Credit River at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and Credit River’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Credit River.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Credit River’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.