Natural hazards · Fox Lake

Fox Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Fox Lake comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Fox Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fox Lake to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves16%Hail15%Tornadoes13%Drought12%Strong wind9%Everything else4%

By hazard

What Fox Lake faces

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

Inland flooding

31% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 11 times a year in the area

Hail

15% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 7 years in the area

Drought

12% of expected damage

Recorded about 12 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Fox Lake flood?

FEMA's records show no paid flood insurance claims in Fox Lake.

Disasters that hit Fox Lake

Federal disasters declared here

None of the disasters declared for Martin County shows FEMA aid or repair money reaching Fox Lake itself in FEMA’s records.

Brought FEMA money into Fox LakeDeclared for Martin County only

Martin County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Fox Lake

Fox Lake and the towns around it

Very lowLowModerateHighVery high

Manyaskamostly inland floodingModerate

Jaymostly inland floodingModerate

Fox Lakemostly inland floodingLow

Elm Creekmostly inland floodingLow

Welcomemostly inland floodingLow

Frasermostly inland floodingLow

Trimontmostly inland floodingLow

Galenamostly 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. Fox Lake 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 Fox Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fox Lake. 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.