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BHazard risk
Natural hazards in Harmony · FEMA

On FEMA’s figures, Harmony faces less hazard damage per building than 60% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Harmony gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 77%Tornadoes 17%Hail 3%

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

less than 60%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Minnesota · lower than 60% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 15 declared for Fillmore County
By hazard

What Harmony 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

77%of expected building damage
About average · higher than 55% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 9 years in the area
Smaller shares here
 Hail Strong wind Lightning top 5% Earthquakes Winter storms Ice storms Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 16% of Harmony’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Harmony’s grade

River and rain flooding is 77% of the building damage FEMA expects in Harmony, and Harmony’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.

Where Harmony sits
Harmony
Least damageMiddleMost damage

B lower expected damage per building than 60% of U.S. towns (21,298).

All of Harmony’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding77%Tornadoes17%Hail3%Everything else3%

In dollars, FEMA expects about $596K a year in losses across Harmony: $409K to buildings, the rest to people and crops.

Shared tract.All of Harmony’s 1,043 residents (2020 census) live in one census tract, which it shares with Canton city (310 residents) and Beaver township (209 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Harmony flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Harmony. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Harmony isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Fillmore County.
Disasters

1 federal disaster brought FEMA money to Harmony

Disasters that paid out in Harmony itself (aid to households or repair grants to the City of Harmony), newest first, with that year’s flood claims.

  1. 2007Severe Storms and Flooding2 households applied for aid$1K aid approved
Disasters declared, by decade
Paid out in HarmonyFillmore County only

Fillmore County has had 15 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.

Were you here?

Old photos of Harmony after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Harmony archive →
Be ready

Get ready for what Harmony faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Harmony

Is Harmony at risk for natural disasters?

On FEMA’s National Risk Index, Harmony has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (17%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Harmony 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 Fillmore County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Harmony?

FEMA’s Community Rating System list shows no discount for Harmony’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 Harmony?

By FEMA money that reached Harmony, Severe Storms and Flooding (2007): 2 households applied for aid, $1K approved.

Is Harmony at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Harmony’s rate for it is higher than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Harmony.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harmony’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.