Natural hazards · Grass Lake

Grass Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Grass Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 2001.

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

Expected damage

How exposed is Grass Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grass Lake to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves23%Tornadoes10%Everything else13%

By hazard

What Grass Lake faces

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

Inland flooding

54% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 3 years in the area

Cold waves

23% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 16 years in the area

Lower here

HailIce 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 Grass Lake flood?

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

6paid claims since 2001

$65Kpaid to owners

0homes flooded more than once

20012026

Biggest named events

Severe flooding: 2 claims, $4K

of all homes
are insured

No community discount. Grass 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: Kanabec County.

Disasters that hit Grass Lake

Federal disasters declared here

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

Brought FEMA money into Grass LakeDeclared for Kanabec County only

Kanabec County has had 9 natural disasters declared since 1953, most often floods and severe storms.

Around Grass Lake

Grass Lake and the towns around it

Very lowLowModerateHighVery high

Royaltonmostly inland floodingHigh

Grass Lakemostly inland floodingHigh

Grasstonmostly inland floodingHigh

Brunswickmostly inland floodingHigh

Comfortmostly inland floodingHigh

Brahammostly inland floodingModerate

Stanchfieldmostly 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. Grass Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grass 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 Grass 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 Grass Lake total about $2.7M 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.