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Natural hazards · Crystal Bay

Crystal Bay, MN natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Bay comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Crystal Bay?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Bay to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves27%Strong wind8%Everything else9%
By hazard

What Crystal Bay faces

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

Inland flooding

55% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Cold waves

27% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 18 times a year in the area

Strong wind

8% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Crystal Bay flood?

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

of all homes
are insured
No community discount. Crystal Bay isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Crystal Bay

3 federal disasters brought FEMA money here

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

Brought FEMA money into Crystal BayDeclared for Lake County only
2024

Severe Storms and Flooding

$67K to the Township of Crystal Bay for repairs
2012

Severe Storms and Flooding

$8K to the Township of Crystal Bay for repairs
2009

Severe Storms and Flooding

$20K to the Township of Crystal Bay for repairs
Lake County has had 10 natural disasters declared since 1953, most often floods and severe storms.
Around Crystal Bay

Crystal Bay and the towns around it

Stony River: High, mostly inland floodingBeaver Bay: High, mostly inland floodingFall Lake: High, mostly inland floodingBabbitt: Low, mostly cold wavesSilver Creek: High, mostly inland floodingSilver Bay: Low, mostly cold wavesBeaver Bay: Low, mostly cold wavesMorse: Moderate, mostly cold wavesCrystal Bay: High, mostly inland flooding Crystal BayStony RiverBeaver BayFall Lake
Very lowLowModerateHighVery high
Crystal Baymostly inland floodingHigh
Stony Rivermostly inland floodingHigh
Beaver Baymostly inland floodingHigh
Fall Lakemostly inland floodingHigh
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. Crystal Bay 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 Crystal Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Crystal Bay. 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.

The coffee’s on

Where to, neighbor?

You’re in Crystal Bay, MNLake CountyView boundary

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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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