🌍 ClimateRiskCheck

Natural Disaster Risk in Henderson

Minnesota

4.7out of 10
Moderate Risk

Risk Summary for Henderson

Henderson scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hail Drought

All 18 Hazard Scores

Strong Wind
7.9
Hail
7.3
Drought
6.6
Cold Wave
6.0
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Winter Weather
4.9
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Extreme Heat
4.4
Wildfire
2.5
Hurricane
2.4
Lightning
1.8
Earthquake
1.7
Riverine Flooding
1.0

How it compares

Henderson
4.7
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Henderson, Minnesota

Henderson is a small community of about 2,370 in Sibley County, in the interior eastern United States. The area experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Henderson.

FEMA rates Henderson's composite natural disaster risk at 4.7 out of 10 β€” moderate risk. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Residents should also account for hail and drought risk in their preparedness planning.

Henderson's risk score, slightly below the 5.2/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Sibley County, the highest-scoring are wind, hail, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Henderson residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.

What this means for Henderson: Strong Wind preparedness

  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.
  • Confirm your policy covers wind damage and keep an inventory of property for claims.

Local Factors for Henderson

These city-level factors differentiate Henderson from other communities in Sibley County and provide geographic context for its hazard exposure.

Population

2,370

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.5/10

Coordinates

44.5617Β° N, 93.9354Β° W

Sibley County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Henderson

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Henderson

Other cities in Minnesota

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.