Natural hazards · Eden Lake

Eden Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Eden Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2022. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Eden Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eden Lake to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes10%Strong wind6%Hail5%Everything else9%

By hazard

What Eden Lake faces

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

Inland flooding

70% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 25 years in the area

Strong wind

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times a year in the area

Hail

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Eden Lake flood?

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

1paid claims since 2022

$27Kpaid to owners

0homes flooded more than once

20222026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Eden 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: Stearns County.

Disasters that hit Eden Lake

2 federal disasters brought FEMA money here

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

Brought FEMA money into Eden LakeDeclared for Stearns County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$139K to the Township of Eden Lake for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$9K to the Township of Eden Lake for repairs

Stearns County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Eden Lake

Eden Lake and the towns around it

Very lowLowModerateHighVery high

Eden Lakemostly inland floodingHigh

Paynesvillemostly inland floodingHigh

Munsonmostly inland floodingModerate

Eden Valleymostly inland floodingModerate

Manannahmostly inland floodingModerate

Luxemburgmostly inland floodingModerate

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. Eden Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Eden 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 Eden 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 Eden Lake total about $2.6M 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.