Photo: Aaron Fulkerson (AaronRoe at English Wikipedia) · CC BY 2.5On FEMA’s figures, Shoreview faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Shoreview gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #170 of 274 in Minnesota. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 1 claim here since 2003.
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 Shoreview 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 Shoreview’s grade
River and rain flooding is 82% of the building damage FEMA expects in Shoreview, and Shoreview’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Hail adds 8%, at a rate in the top 10% of U.S. census tracts.
B− #170 of 274 in Minnesota; higher expected damage per building than 53% of U.S. towns (21,298).
Shoreview’s residents live in 6 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, Shoreview has more expected damage per building than 62% of Minnesota towns.
In dollars, FEMA expects about $11.5M a year in losses across Shoreview: $7.6M to buildings, the rest to people and crops.
Does Shoreview flood? Rarely: 1 flood claim since 2003
Every paid claim on a federal flood insurance policy in Shoreview, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Shoreview 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.1 federal disaster brought FEMA money to Shoreview
Disasters that paid out in Shoreview itself (aid to households or repair grants to the City of Shoreview), newest first, with that year’s flood claims.
- 2019Severe Winter Storm, Straight-line Winds, and Flooding$30K to the City of Shoreview for repairs
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 Shoreview after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shoreview archive →Shoreview and its neighbors
Shoreview is 5th of the 5 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 |
|---|---|---|---|
| Roseville | A−less damage than 84% | river and rain flooding | 5 |
| Arden Hills | A−less damage than 82% | river and rain flooding | 1 |
| Vadnais Heights | A−less damage than 75% | river and rain flooding | 1 |
| North Oaks | B+less damage than 67% | river and rain flooding | — |
| Shoreview | B−more damage than 53% | river and rain flooding | 1 |
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 Shoreview 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 Shoreview
Is Shoreview at risk for natural disasters?
On FEMA’s National Risk Index, Shoreview has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #170 of 274 in Minnesota. Most of the expected damage is river and rain flooding (82%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Shoreview flood?
Flood insurance has paid 1 claim in Shoreview since 2003, $1K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Shoreview 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 Shoreview?
FEMA’s Community Rating System list shows no discount for Shoreview’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 Shoreview?
By FEMA money that reached Shoreview, Severe Winter Storm, Straight-line Winds, and Flooding (2019): $30K to the City of Shoreview for repairs.
Is Shoreview at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Shoreview’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shoreview.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shoreview’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.