Natural hazards · Gail Lake

Gail Lake, MN natural hazards

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

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

Expected damage

How exposed is Gail Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gail Lake to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves11%Everything else10%

By hazard

What Gail Lake faces

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

Inland flooding

79% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

11% 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 Gail Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gail 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: Crow Wing County.

Disasters that hit Gail Lake

Federal disasters declared here

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

Brought FEMA money into Gail LakeDeclared for Crow Wing County only

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

Around Gail Lake

Gail Lake and the towns around it

Very lowLowModerateHighVery high

Gail Lakemostly inland floodingHigh

Timothymostly inland floodingHigh

Jenkinsmostly inland floodingHigh

Wilsonmostly inland floodingModerate

Barclaymostly inland floodingVery low

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