Natural hazards · Arlone

Arlone, MN natural hazards

Most of the natural-hazard damage FEMA expects in Arlone comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2016. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Arlone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arlone to be higher than in 33% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves41%Inland flooding41%Tornadoes7%Everything else11%

By hazard

What Arlone faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

41% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

41% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

7% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 25 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Arlone flood?

Every paid claim on a federal flood insurance policy in Arlone, from FEMA’s records.

1paid claims since 2016

$19Kpaid to owners

0homes flooded more than once

20162026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Arlone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pine County.

Disasters that hit Arlone

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Arlone itself: aid to households, or repair grants to the Township of Arlone.

Brought FEMA money into ArloneDeclared for Pine County only

2023

Severe Storms and Flooding

$3K to the Township of Arlone for repairs

Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Arlone

Arlone and the towns around it

Very lowLowModerateHighVery high

Barrymostly inland floodingLow

Arlonemostly cold wavesLow

Sandstonemostly cold wavesLow

Crosbymostly inland floodingLow

Clovermostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Arlone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Arlone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Arlone. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Arlone total about $1.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.