Zumbro Parkway Bridge · Photo: Mazzmn at English Wikipedia · Public domainStorms, floods and disasters in Zumbro Falls
Zumbro Falls isn’t graded for hazard risk: Zumbro Falls has 157 residents; we grade towns of 1,000 or more. Flood insurance has paid 20 claims here since 2010.
What Zumbro Falls 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
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 Zumbro Falls flood? Sometimes: 20 flood claims since 2010
Every paid claim on a federal flood insurance policy in Zumbro Falls, from FEMA’s records.
Zumbro Falls isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wabasha County.1 federal disaster brought FEMA money to Zumbro Falls
Disasters that paid out in Zumbro Falls itself (aid to households or repair grants to the City of Zumbro Falls), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding7 households applied for aid$11K aid approved
Wabasha County has had 14 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 Zumbro Falls after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Zumbro Falls archive →Zumbro Falls 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 |
|---|---|---|---|
| Zumbro Township | — | 534 residents; we grade 1,000+ | |
| Chester Township | — | 367 residents; we grade 1,000+ | |
| Gillford Township | — | 558 residents; we grade 1,000+ | |
| Hyde Park Township | — | 309 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 Zumbro Falls 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.
- 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 Zumbro Falls
Does Zumbro Falls flood?
Flood insurance has paid 20 claims in Zumbro Falls since 2010, $1.5M in all.
Is Zumbro Falls 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 Wabasha County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Zumbro Falls?
FEMA’s Community Rating System list shows no discount for Zumbro Falls’ 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 Zumbro Falls?
By FEMA money that reached Zumbro Falls, Severe Storms and Flooding (2007): 7 households applied for aid, $11K approved.
Storm stories
Memories, warnings and help from neighbors in Zumbro Falls.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Zumbro Falls’ 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.