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Natural hazards · Chisago Lake

Chisago Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Chisago Lake comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1985. 1 federal disaster brought FEMA money into town.

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

How exposed is Chisago Lake?

39
Low
vs. U.S. communities

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

Inland flooding53%Tornadoes17%Cold waves11%Strong wind9%Hail6%Everything else5%
By hazard

What Chisago Lake faces

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

Inland flooding

53% of expected damage
Above average · higher than 51% of U.S. places
Recorded about once every 6 years in the area

Tornadoes

17% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about once every 41 years in the area

Cold waves

11% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 10 times a year in the area

Strong wind

9% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 4 times a year in the area

Hail

6% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 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 Lake flood?

Every paid claim on a federal flood insurance policy in Chisago Lake, from FEMA’s records.

5paid claims since 1985
$10Kpaid to owners
0homes flooded more than once
19852026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Chisago 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: Chisago County.
Disasters that hit Chisago Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Chisago LakeDeclared for Chisago County only
2001

Severe Winter Storms, Flooding, and Tornadoes

$6K to the Township of Chisago Lake for repairs
Chisago County has had 10 natural disasters declared since 1953, most often floods and severe storms.
Around Chisago Lake

Chisago Lake and the towns around it

Chisago City: Low, mostly inland floodingCenter City: Low, mostly inland floodingLindstrom: Low, mostly inland floodingFranconia: Moderate, mostly inland floodingSunrise: High, mostly inland floodingShafer: Moderate, mostly inland floodingScandia: Low, mostly inland floodingAmador: Moderate, mostly inland floodingStacy: High, mostly inland floodingForest Lake: Moderate, mostly inland floodingWyoming: Moderate, mostly inland floodingOsceola: Very low, mostly cold wavesOsceola: Very low, mostly cold wavesShafer: Moderate, mostly inland floodingFarmington: Very low, mostly cold wavesSterling: Low, mostly inland floodingHarris: High, mostly inland floodingNorth Branch: Low, mostly inland floodingRushseba: Moderate, mostly inland floodingSt. Croix Falls: Very low, mostly cold wavesTaylors Falls: Moderate, mostly inland floodingMay: Moderate, mostly inland floodingMarine on St. Croix: Moderate, mostly inland floodingEureka: Low, mostly cold wavesOxford: Moderate, mostly inland floodingLinwood: Moderate, mostly inland floodingHugo: Moderate, mostly inland floodingColumbus: Low, mostly inland floodingChisago Lake: Low, mostly inland flooding Chisago LakeChisago CityCenter CityLindstromFranconiaSunriseShaferScandiaAmadorStacyForest Lake
Very lowLowModerateHighVery high
Sunrisemostly inland floodingHigh
Stacymostly inland floodingHigh
Forest Lakemostly inland floodingModerate
Franconiamostly inland floodingModerate
Shafermostly inland floodingModerate
Amadormostly inland floodingModerate
Chisago Lakemostly inland floodingLow
Scandiamostly inland floodingLow
Chisago Citymostly inland floodingLow
Lindstrommostly inland floodingLow
Center Citymostly 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 Lake covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Chisago Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Chisago 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 Chisago Lake total about $3.7M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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