Natural hazards · Bay Lake

Bay Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Bay Lake comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Bay Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bay Lake to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves12%Everything else9%

By hazard

What Bay Lake faces

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

Inland flooding

79% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 2 years in the area

Cold waves

12% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 14 times a year in the area

Lower here

TornadoesHailIce 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 Bay Lake flood?

FEMA's records show no paid flood insurance claims in Bay Lake.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crow Wing County.

Disasters that hit Bay Lake

Federal disasters declared here

None of the disasters declared for Crow Wing County shows FEMA aid or repair money reaching Bay Lake itself in FEMA’s records.

Brought FEMA money into Bay LakeDeclared for Crow Wing County only

Crow Wing County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Bay Lake

Bay Lake and the towns around it

Very lowLowModerateHighVery high

Hazeltonmostly inland floodingHigh

Garrisonmostly inland floodingHigh

Bay Lakemostly inland floodingHigh

Deerwoodmostly inland floodingHigh

Nokay Lakemostly 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. Bay Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bay Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bay Lake. 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 Bay Lake total about $1.9M 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.