Storms, floods and disasters in Minnesota City
Minnesota City isn’t graded for hazard risk: Minnesota City has 135 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 2001.
What Minnesota City 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
Tornadoes
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.
Does Minnesota City flood? Rarely: 3 flood claims since 2001
Every paid claim on a federal flood insurance policy in Minnesota City, from FEMA’s records.
- The Severe flooding2 claims · $33K
Minnesota City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Winona County.1 federal disaster brought FEMA money to Minnesota City
Disasters that paid out in Minnesota City itself (aid to households or repair grants to the City of Minnesota City), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding208 households applied for aid$3.0M aid approved$73K to the City of Minnesota City for repairs
Winona County has had 14 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 Minnesota City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Minnesota City archive →Minnesota City and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Goodview | Cmore damage than 66% | river and rain flooding | 12 |
| Rollingstone Township | — | 856 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 Minnesota City 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.
- 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.
- 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 Minnesota City
Does Minnesota City flood?
Flood insurance has paid 3 claims in Minnesota City since 2001, $34K in all. The most claims came from Severe flooding (2).
Is Minnesota City 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 Winona County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Minnesota City?
FEMA’s Community Rating System list shows no discount for Minnesota City’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 Minnesota City?
By FEMA money that reached Minnesota City, Severe Storms and Flooding (2007): 208 households applied for aid, $3.0M approved, and $73K to the City of Minnesota City for repairs. By flood claims, Severe flooding: 2 paid, $33K.
Storm stories
Memories, warnings and help from neighbors in Minnesota City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Minnesota City’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.