Natural Disaster Risk in Zumbro Falls
Minnesota
Risk Summary for Zumbro Falls
Zumbro Falls scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Zumbro Falls, Minnesota
Located in the interior eastern United States in Wabasha County, Zumbro Falls is a small community of about 1,394. The continental climate that characterizes this part of Minnesota — marked by some of the harshest winters in the lower 48 and warm summers — directly influences the types and severity of natural hazards present, making Zumbro Falls a community where hazard awareness has real practical value.
Zumbro Falls's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include hail and wind.
Relative to other U.S. communities, Zumbro Falls's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by landslide and hail, as measured by FEMA across Wabasha County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Zumbro Falls residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for Zumbro Falls: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Local Factors for Zumbro Falls
These city-level factors differentiate Zumbro Falls from other communities in Wabasha County and provide geographic context for its hazard exposure.
Population
1,394
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
44.2590° N, 92.4199° W
Wabasha 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 Zumbro Falls
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Zumbro Falls
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.