Natural hazards · Chisago

Chisago, MN natural hazards

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

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

Expected damage

How exposed is Chisago?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chisago to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes17%Cold waves12%Strong wind11%Hail7%Everything else5%

By hazard

What Chisago faces

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

Inland flooding

49% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

17% of expected damage

Above average · higher than 74% of U.S. places

Cold waves

12% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 10 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice 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 Chisago flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chisago County.

Disasters that hit Chisago

Federal disasters declared here

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

Brought FEMA money into ChisagoDeclared for Chisago County only

Chisago County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Chisago

Chisago and the towns around it

Very lowLowModerateHighVery high

Stacymostly inland floodingHigh

Forest Lakemostly inland floodingModerate

Wyomingmostly inland floodingModerate

Chisago Lakemostly inland floodingLow

Scandiamostly inland floodingLow

Chisago Citymostly inland floodingLow

Lindstrommostly 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. Chisago covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chisago’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chisago. 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 Chisago total about $867K 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.