Natural hazards · Arrowhead

Arrowhead, MN natural hazards

Most of the natural-hazard damage FEMA expects in Arrowhead comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 16 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Arrowhead?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arrowhead to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Arrowhead faces

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

Inland flooding

89% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Arrowhead flood?

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

16paid claims since 1982

$650Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

June Midwest Flooding: 1 claim, $479K

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Arrowhead

1 federal disaster brought FEMA money here

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

Brought FEMA money into ArrowheadDeclared for St. Louis County only

2012

Severe Storms and Flooding

$7K to the Township of Arrowhead for repairs

St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Arrowhead

Arrowhead and the towns around it

Very lowLowModerateHighVery high

Arrowheadmostly inland floodingHigh

Culvermostly inland floodingHigh

Stoney Brookmostly inland floodingHigh

Fine Lakesmostly inland floodingHigh

Floodwoodmostly inland floodingHigh

Nessmostly inland floodingHigh

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. Arrowhead covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Arrowhead’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Arrowhead. 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 Arrowhead total about $1.4M 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.