Crane Lake’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Crane Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.
What stands out about Crane Lake’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
What Crane Lake faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Does Crane Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crane Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crane 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: St. Louis County.How exposed is Crane Lake?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.
Calmer than 1,568 of the 2,631 Minnesota towns we cover.
Crane Lake is smaller than a census tract, so it shares the figures of the tract around its center.
2 federal disasters brought FEMA money to Crane Lake
Disasters that paid out in Crane Lake itself (aid to households or repair grants to the Township of Crane Lake) and its biggest flood years.
- 2024Severe Storms and Flooding1 household applied for aid$300 aid approved
- 2022Severe Storms, Straight-Line Winds, and Flooding$11K to the Township of Crane Lake for repairs
St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Old photos of Crane Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crane Lake archive →Get ready for what Crane Lake actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Crane Lake and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Portage | Moderate | inland flooding | 0 |
| Crane Lake | Moderate | inland flooding | 0 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in June–August
The month each of St. Louis County’s 15 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Crane Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Crane Lake.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Crane Lake.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.