Natural hazards · Hay Brook

Hay Brook, MN natural hazards

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

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

Expected damage

How exposed is Hay Brook?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hay Brook to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves26%Tornadoes9%Everything else13%

By hazard

What Hay Brook faces

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

Inland flooding

52% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 3 years in the area

Cold waves

26% of expected damage

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

Recorded about 11 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 13 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 Hay Brook flood?

FEMA's records show no paid flood insurance claims in Hay Brook.

of all homes
are insured

No community discount. Hay Brook 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 Hay Brook

Federal disasters declared here

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

Brought FEMA money into Hay BrookDeclared for Kanabec County only

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

Around Hay Brook

Hay Brook and the towns around it

Very lowLowModerateHighVery high

Idunmostly inland floodingHigh

Hay Brookmostly inland floodingModerate

Hillmanmostly inland floodingModerate

Fordmostly inland floodingModerate

Isle Harbormostly 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. Hay Brook 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 Hay Brook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hay Brook. 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.