Natural hazards · Cook

Cook, MN natural hazards

Most of the natural-hazard damage FEMA expects in Cook comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cook?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cook to be higher than in 36% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves62%Inland flooding30%Everything else8%

By hazard

What Cook faces

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

Cold waves

62% of expected damage

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

Recorded about 17 times a year in the area

Inland flooding

30% of expected damage

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

Recorded about once 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 Cook flood?

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

9paid claims since 1978

$213Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 2 claims, $2K
June Midwest Flooding: 1 claim, $26K

of all homes
are insured

No community discount. Cook 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 Cook

2 federal disasters brought FEMA money here

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

Brought FEMA money into CookDeclared for St. Louis County only

2024

Severe Storms and Flooding

40 households applied for aid $372K aid approved $88K to the City of Cook for repairs

1999

Severe Storms, Winds, and Flooding

$17K to the City of Cook for repairs

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

Around Cook

Cook and the towns around it

Very lowLowModerateHighVery high

Fieldmostly cold wavesModerate

Cookmostly cold wavesLow

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