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Risk: Very Low

Jackson County, MN Environment & Hazard Risk

Very Low natural hazard risk, led by winter weather. 640 storm events since 1996.

Expected yearly loss
$9.8M
Very Low nationally
Storm events since 1996
640
Most often hail
Flood insurance policies
22
0.3% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 22.4 of 100

Social vulnerability

Very Low

Score 15.1 of 100

Community resilience

Relatively High

Score 75.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $4.2B · Agriculture value exposed: $405M · Risk-adjusted yearly loss: $8.2M

Risk by hazard

  • Winter weatherRelatively Moderate$197K/yr expected annual loss, about 21 events a year
  • HailRelatively Low$750K/yr expected annual loss, about 4.7 events a year
  • Ice stormRelatively Moderate$215K/yr expected annual loss, about once every 1 year
  • DroughtRelatively Low$448K/yr expected annual loss, about 8.8 events a year
  • Cold waveRelatively Low$1.8M/yr expected annual loss, about 12 events a year
  • TornadoRelatively Low$1.1M/yr expected annual loss, about once every 2 years
  • LandslideVery Low$577/yr expected annual loss, about once every 13 years
  • WildfireVery Low$20.7K/yr expected annual loss, about once every 2,768 years
  • Heat waveVery Low$154K/yr expected annual loss, about 3.6 events a year
  • Strong windRelatively Low$249K/yr expected annual loss, about 3.4 events a year
  • LightningVery Low$80K/yr expected annual loss, about 38 events a year
  • EarthquakeVery Low$6,306/yr expected annual loss, about once every 2,674 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
22 of 8,402 (0.3%)
Homes in high-risk flood zones
0
Flood claims since 1978
20
Claims paid since 1978
$366K

Flood claims paid per year

Flood claims paid per year in Jackson County
Beta
  • June Midwest Flooding$342K · 8 claims
  • Severe flooding$3,077 · 2 claims
  • Midwest Flooding$1,479 · 1 claim

Storm history

Since 1996: 640 events, 1 death, $45M in damage

  • Hail141
  • Winter Weather108
  • Thunderstorm Wind85
  • Winter Storm40
  • Flood39
  • Blizzard37 · 1 death
  • High Wind34
  • Drought28
  • Extreme Cold/Wind Chill24
  • Flash Flood16
Beta

Events per year

Storm events per year in Jackson County
14
15
19
29
15
24
21
22
19
24
16
40
32
26
15
31
21
21
28
27
Beta

21 tornadoes on record (EF0 4, F0 6, F1 9, F2 1, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Storm04/10/2013

    Jackson

    $15M damage

    What happened

    An extended period of precipitation began with freezing rain quickly producing heavy ice accumulations, ranging up to a half inch. The precipitation then changed to sleet and then snow, with sleet and snow accumulations reaching 5 to 10 inches. Many branches, limbs, whole trees, and power lines were downed by the weight of ice and accompanying wind. Both urban areas and rural electric cooperatives suffered major power line damage, with the rural cooperatives alone reporting 6 million dollars in damages. Trees and tree debris blocked many roads, and damaged several vehicles and homes. Major power outages were reported, affecting thousands of people. The winter precipitation made travel impossible in many areas, resulting in schools and businesses being forced to close.

  • Flood06/01/2019

    Spafford, Jackson County

    $12.7M damage

    What happened

    During crop planting season, prolonged flooding led to the loss of or inability to plant crops across the area. Crop loss estimates provided by the United States Department of Agriculture.

  • Blizzard03/24/1996

    Jackson

    1 death, $10K damage

    What happened

    3 to 6 inches of snow combined with winds gusting over 50 mph to produce widespread whiteout conditions. The drifting...slippery conditions...and low visibility contributed to people stranded in vehicles and several accidents. A fatality occurred near Heron Lake in Jackson County when a man left his car and died of exposure. The snow, wind, and some freezing rain which preceeded the snow caused the downing of at least 27 power poles in Lincoln County, and the downing of other power lines, resulting in power outages. Wind chills were as low as 40 below zero. Businesses and schools were closed or forced to delay opening.

  • Winter Weather02/17/2020

    Jackson

    3 injured

    What happened

    A brief period of light freezing rain with a few hundredths of an inch precipitation resulted in spotty slick roadways. At 840CST, a vehicle just north of the Iowa-Minnesota state line on Highway 86 lost control on icy roadways, entered the ditch and rolled, resulting in (indirect) injuries to the driver and two passengers.

  • Ice Storm04/10/2019

    Jackson

    $2.8M damage

    What happened

    Ice accumulated to one-half to three quarters of an inch. As winds increased during the night of April 10 into early April 11 with gusts reaching 45 to 50 mph at times, power poles and transmission lines bore the brunt of the worst conditions. Over 1000 power poles were damaged and several hundred miles of transmission lines downed by the weight of the ice accumulation and stress of the high winds. Many roads were closed, including U.S. Highway 71, State Highway 86, and Interstate 90 due to power structures across roadways. Damage costs are rough estimates due to utility costs.

  • Hail1.75" hail07/02/2000

    Okabena, Jackson County

    $2.1M damage

    What happened

    Large hail destroyed or damaged 15,000 acres of corn and soybean crops. The hail also broke windows, dented vehicles, and damaged siding.

Drinking water

6 community water systems serve about 6,068 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • JacksonServes 3,323 · Groundwater · Local governmentNo health violations
  • LakefieldServes 1,694 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
  • Heron LakeServes 691 · Purchased groundwater · Local governmentNo health violations+2 monitoring or reporting
  • OkabenaServes 188 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • AlphaServes 112 · Groundwater · Local government1 health violation+4 monitoring or reporting
  • WilderServes 60 · Purchased groundwater · Local governmentNo health violations

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 3 toxic release facilities in Jackson County

Superfund sites

None in this county.

Toxic release facilities

Total: 43,068 lbs in 2024, 39,011 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk4 historic places

Frequently asked questions

How risky is Jackson County for natural disasters?
FEMA rates Jackson County very low for overall natural hazard risk, with expected losses of $9.8M a year. The highest-rated hazards are winter weather (relatively moderate), hail (relatively low), ice storm (relatively moderate).
What storms are most common in Jackson County?
Since 1996, NOAA recorded 640 storm events affecting Jackson County, most often hail (141), winter weather (108), thunderstorm wind (85).
How many tornadoes have hit Jackson County?
21 tornadoes have been recorded in Jackson County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Jackson County have flood insurance?
22 residential flood insurance policies are in force in Jackson County, covering about 0.3% of homes. The program has paid $366K on 20 claims here since 1978.
What is the weather like in Jackson County?
At Lakefield 2ne, average highs reach 81°F in Jul and lows fall to 5°F in Jan, with 30.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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