For strong wind, Zimmerman’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Zimmerman gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #138 of 274 in Minnesota. Most of that expected damage is river and rain flooding (68%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.
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 Zimmerman 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
Strong wind
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 Zimmerman’s grade
River and rain flooding is 68% of the building damage FEMA expects in Zimmerman, and Zimmerman’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Strong wind adds 10%, at a rate in the top 3% of U.S. census tracts.
B #138 of 274 in Minnesota; lower expected damage per building than 57% of U.S. towns (21,298).
Zimmerman’s residents live in 2 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, Zimmerman has more expected damage per building than 50% of Minnesota towns.
In dollars, FEMA expects about $1.6M a year in losses across Zimmerman: $1.1M to buildings, the rest to people and crops.
Does Zimmerman flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Zimmerman. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Zimmerman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sherburne County.The storms Zimmerman remembers
None of the 7 disasters declared for Sherburne County shows FEMA aid or repair money reaching Zimmerman itself in FEMA’s records, so these are its biggest flood-claim years.
Sherburne County has had 7 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.
Get ready for what Zimmerman 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Zimmerman
Is Zimmerman at risk for natural disasters?
On FEMA’s National Risk Index, Zimmerman has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #138 of 274 in Minnesota. Most of the expected damage is river and rain flooding (68%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Zimmerman 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 Sherburne County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Zimmerman?
FEMA’s Community Rating System list shows no discount for Zimmerman’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Zimmerman at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Zimmerman’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Zimmerman.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Zimmerman’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.