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Natural hazards · Fine Lakes

Fine Lakes, MN natural hazards

Most of the natural-hazard damage FEMA expects in Fine Lakes comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

How exposed is Fine Lakes?

67
High
vs. U.S. communities

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

Inland flooding89%Everything else11%
By hazard

What Fine Lakes faces

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

Inland flooding

89% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Fine Lakes flood?

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

of all homes
are insured
No community discount. Fine 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: St. Louis County.
Disasters that hit Fine Lakes

2 federal disasters brought FEMA money here

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

Brought FEMA money into Fine LakesDeclared for St. Louis County only
2023

Severe Storms and Flooding

$9K to the Township of Fine Lakes for repairs
2012

Severe Storms and Flooding

$21K to the Township of Fine Lakes for repairs
St. Louis County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Fine Lakes

Fine Lakes and the towns around it

Floodwood: High, mostly inland floodingArrowhead: High, mostly inland floodingPrairie Lake: High, mostly inland floodingFloodwood: High, mostly inland floodingVan Buren: High, mostly inland floodingHalden: High, mostly inland floodingCulver: High, mostly inland floodingStoney Brook: High, mostly inland floodingNess: High, mostly inland floodingBalsam: Very high, mostly inland floodingBeseman: Low, mostly cold wavesFine Lakes: High, mostly inland flooding Fine LakesFloodwoodArrowheadPrairie Lake
Very lowLowModerateHighVery high
Fine Lakesmostly inland floodingHigh
Floodwoodmostly inland floodingHigh
Arrowheadmostly inland floodingHigh
Prairie 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. Fine 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 Fine Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fine 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.

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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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