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Natural hazards · Grove Lake

Grove Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Grove Lake comes from inland flooding, and overall the risk is moderate 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 Grove Lake?

42
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grove Lake to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves20%Tornadoes9%Hail7%Strong wind7%Everything else8%
By hazard

What Grove Lake faces

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

Inland flooding

49% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once every 2 years in the area

Cold waves

20% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 14 times a year in the area

Tornadoes

9% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 6 years in the area

Hail

7% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 4 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Grove Lake flood?

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

of all homes
are insured
No community discount. Grove 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: Pope County.
Disasters that hit Grove Lake

2 federal disasters brought FEMA money here

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

Brought FEMA money into Grove LakeDeclared for Pope County only
2009

Severe Storms and Flooding

$6K to the Township of Grove Lake for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$9K to the Township of Grove Lake for repairs
Pope County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Around Grove Lake

Grove Lake and the towns around it

Glenwood: Moderate, mostly inland floodingWestport: Moderate, mostly inland floodingRaymond: Moderate, mostly inland floodingBangor: Moderate, mostly inland floodingGlenwood: High, mostly inland floodingMinnewaska: High, mostly inland floodingLeven: Moderate, mostly inland floodingChippewa Falls: Moderate, mostly inland floodingWhite Bear Lake: High, mostly inland floodingBlue Mounds: High, mostly inland floodingOrange: Moderate, mostly inland floodingVillard: Moderate, mostly inland floodingAshley: Moderate, mostly inland floodingHudson: Moderate, mostly inland floodingNorth Fork: Low, mostly inland floodingGetty: Moderate, mostly inland floodingSedan: Moderate, mostly inland floodingBrooten: Low, mostly inland floodingLake Johanna: Moderate, mostly inland floodingGrove Lake: Moderate, mostly inland flooding Grove LakeGlenwoodWestportRaymondBangor
Very lowLowModerateHighVery high
Raymondmostly inland floodingModerate
Grove Lakemostly inland floodingModerate
Glenwoodmostly inland floodingModerate
Westportmostly inland floodingModerate
Bangormostly 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. Grove Lake covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Grove Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Grove 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 Grove Lake total about $1.6M 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.

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You’re in Grove Lake, MNPope CountyView boundary

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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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