Photo: No machine-readable author provided. Jakes19 assumed (based on copyright claims). · Public domainOn FEMA’s figures, Proctor faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Proctor gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #77 of 274 in Minnesota. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 2 claims here since 2012.
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 Proctor 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 Proctor’s grade
River and rain flooding is 93% of the building damage FEMA expects in Proctor, and Proctor’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts.
B+ #77 of 274 in Minnesota; lower expected damage per building than 73% of U.S. towns (21,298).
Proctor’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, Proctor has less expected damage per building than 72% of Minnesota towns.
In dollars, FEMA expects about $716K a year in losses across Proctor: $611K to buildings, the rest to people and crops.
Does Proctor flood? Rarely: 2 flood claims since 2012
Every paid claim on a federal flood insurance policy in Proctor, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
Proctor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Louis County.4 federal disasters brought FEMA money to Proctor
Disasters that paid out in Proctor itself (aid to households or repair grants to the City of Proctor), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding5 households applied for aid$28K aid approved
- 2012Severe Storms and Flooding$115K to the City of Proctor for repairs2 flood claims paid that year
- 2001Severe Winter Storms, Flooding, and Tornadoes$97K to the City of Proctor for repairs
- 1999Severe Storms, Winds, and Flooding$86K to the City of Proctor for repairs
St. Louis County has had 13 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in St. Louis County, 2025–2025.
Old photos of Proctor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Proctor archive →Proctor and its neighbors
Proctor is 3rd of the 3 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 |
|---|---|---|---|
| Midway Township | A−less damage than 75% | river and rain flooding | 2 |
| Duluth | B+less damage than 73% | river and rain flooding | 58 |
| Proctor | B+less damage than 73% | river and rain flooding | 2 |
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 Proctor 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 Proctor
Is Proctor at risk for natural disasters?
On FEMA’s National Risk Index, Proctor has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #77 of 274 in Minnesota. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Proctor flood?
Flood insurance has paid 2 claims in Proctor since 2012, $21K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Proctor 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 St. Louis County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Proctor?
FEMA’s Community Rating System list shows no discount for Proctor’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 Proctor?
By FEMA money that reached Proctor, Severe Storms and Flooding (2012): $115K to the City of Proctor for repairs.
Is Proctor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Proctor’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Proctor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Proctor’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.