Natural hazards · Biwabik

Biwabik, MN natural hazards

Most of the natural-hazard damage FEMA expects in Biwabik comes from cold waves, and overall the risk is low 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 Biwabik?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Biwabik to be higher than in 39% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves66%Inland flooding25%Everything else9%

By hazard

What Biwabik faces

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

Cold waves

66% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

25% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Biwabik flood?

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

of all homes
are insured

No community discount. Biwabik 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 Biwabik

2 federal disasters brought FEMA money here

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

Brought FEMA money into BiwabikDeclared for St. Louis County only

2024

Severe Storms and Flooding

18 households applied for aid $69K aid approved $295K to the City of Biwabik for repairs

1999

Severe Storms, Winds, and Flooding

$9K to the City of Biwabik for repairs

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

Around Biwabik

Biwabik and the towns around it

Very lowLowModerateHighVery high

Biwabikmostly cold wavesLow

Whitemostly cold wavesLow

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. Biwabik 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 Biwabik’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Biwabik. 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.