Natural hazards · Fifty Lakes

Fifty Lakes, MN natural hazards

Most of the natural-hazard damage FEMA expects in Fifty Lakes comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Fifty Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fifty Lakes to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves14%Everything else9%

By hazard

What Fifty Lakes faces

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

Inland flooding

77% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Cold waves

14% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 14 times 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 Fifty Lakes flood?

FEMA's records show no paid flood insurance claims in Fifty Lakes.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crow Wing County.

Disasters that hit Fifty Lakes

1 federal disaster brought FEMA money here

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

Brought FEMA money into Fifty LakesDeclared for Crow Wing County only

2022

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

$25K to the City of Fifty Lakes for repairs

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

Around Fifty Lakes

Fifty Lakes and the towns around it

Very lowLowModerateHighVery high

Crosslakemostly inland floodingHigh

Fifty Lakesmostly inland floodingHigh

Emilymostly inland floodingHigh

Manhattan Beachmostly inland floodingHigh

Timothymostly inland floodingHigh

Trelipemostly inland floodingLow

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