Natural hazards · Boy Lake

Boy Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Boy Lake comes from inland flooding, 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 Boy Lake?

Low

vs. U.S. communities

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

Inland flooding66%Cold waves21%Everything else13%

By hazard

What Boy Lake faces

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

Inland flooding

66% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

21% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 16 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 Boy Lake flood?

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

of all homes
are insured

No community discount. Boy 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: Cass County.

Disasters that hit Boy Lake

2 federal disasters brought FEMA money here

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

Brought FEMA money into Boy LakeDeclared for Cass County only

2024

Severe Storms and Flooding

$34K to the Township of Boy Lake for repairs

1999

Severe Storms, Winds, and Flooding

$4K to the Township of Boy Lake for repairs

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

Around Boy Lake

Boy Lake and the towns around it

Very lowLowModerateHighVery high

Boy Lakemostly inland floodingLow

Kegomostly inland floodingLow

Gouldmostly inland floodingLow

Rogersmostly 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. Boy 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 Boy Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Boy 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.