Natural hazards · Cloquet

Cloquet, MN natural hazards

Most of the natural-hazard damage FEMA expects in Cloquet comes from cold waves, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2012. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cloquet?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloquet to be higher than in 60% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves53%Inland flooding39%Everything else8%

By hazard

What Cloquet faces

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

Cold waves

53% of expected damage

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

Recorded about 16 times a year in the area

Inland flooding

39% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years 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 Cloquet flood?

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

1paid claims since 2012

$120Kpaid to owners

0homes flooded more than once

20122026

of all homes
are insured

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

Insurance rates: Carlton County.

Disasters that hit Cloquet

2 federal disasters brought FEMA money here

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

Brought FEMA money into CloquetDeclared for Carlton County only

2012

Severe Storms and Flooding

$212K to the City of Cloquet for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$5K to the City of Cloquet for repairs

Carlton County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Cloquet

Cloquet and the towns around it

Very lowLowModerateHighVery high

Thomsonmostly cold wavesHigh

Brevatormostly inland floodingHigh

Cloquetmostly cold wavesHigh

Twin Lakesmostly cold wavesLow

Perch Lakemostly cold wavesLow

Scanlonmostly cold wavesVery low

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. Cloquet covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Cloquet’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Cloquet. 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 Cloquet total about $12.0M 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.