Natural hazards · Bingham Lake

Bingham Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Bingham Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bingham Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bingham Lake to be higher than in 53% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves24%Tornadoes11%Strong wind6%Everything else13%

By hazard

What Bingham Lake faces

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

Inland flooding

46% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 18 years in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Bingham Lake flood?

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

of all homes
are insured

No community discount. Bingham 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: Cottonwood County.

Disasters that hit Bingham Lake

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bingham Lake itself: aid to households, or repair grants to the City of Bingham Lake.

Brought FEMA money into Bingham LakeDeclared for Cottonwood County only

2024

Severe Storms and Flooding

13 households applied for aid $48K aid approved $17K to the City of Bingham Lake for repairs

2013

Severe Winter Storm

$8K to the City of Bingham Lake for repairs

Cottonwood County has had 14 natural disasters declared since 1953, most often severe storms and floods.

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. Bingham Lake is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.