More hazard damage per building is expected in Mounds View than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mounds View gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #235 of 274 in Minnesota. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 1 claim here since 1997.
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 Mounds View 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
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 Mounds View’s grade
River and rain flooding is 86% of the building damage FEMA expects in Mounds View, and Mounds View’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Hail adds 6%, at a rate in the top 10% of U.S. census tracts.
C #235 of 274 in Minnesota; higher expected damage per building than 72% of U.S. towns (21,298).
Mounds View’s residents live in 4 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, Mounds View has more expected damage per building than 86% of Minnesota towns.
In dollars, FEMA expects about $5.7M a year in losses across Mounds View: $3.8M to buildings, the rest to people and crops.
Does Mounds View flood? Rarely: 1 flood claim since 1997
Every paid claim on a federal flood insurance policy in Mounds View, from FEMA’s records: 0.2 per 1,000 homes, fewer than 98% of the 13,809 U.S. towns with a flood insurance record.
Mounds View isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ramsey County.The storms Mounds View remembers
None of the 15 disasters declared for Ramsey County shows FEMA aid or repair money reaching Mounds View itself in FEMA’s records, so these are its biggest flood-claim years.
- 19971 flood claims paidThe year of Severe Storms, Tornadoes, High Winds, Flooding, declared for Ramsey County
Ramsey County has had 15 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.
Old photos of Mounds View after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mounds View archive →Mounds View and its neighbors
Mounds View is 3rd of the 4 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 |
|---|---|---|---|
| Spring Lake Park | A−less damage than 80% | river and rain flooding | 1 |
| New Brighton | B+less damage than 67% | river and rain flooding | 9 |
| Mounds View | Cmore damage than 72% | river and rain flooding | 1 |
| Blaine | Cmore damage than 74% | river and rain flooding | 3 |
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 Mounds View 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.
- 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 Mounds View
Is Mounds View at risk for natural disasters?
On FEMA’s National Risk Index, Mounds View has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #235 of 274 in Minnesota. Most of the expected damage is river and rain flooding (86%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mounds View flood?
Flood insurance has paid 1 claim in Mounds View since 1997, $1K in all, or 0.2 per 1,000 homes, fewer than 98% of U.S. towns with a flood insurance record.
Is Mounds View 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 Ramsey County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Mounds View?
FEMA’s Community Rating System list shows no discount for Mounds View’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mounds View at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Mounds View’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mounds View.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mounds View’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.