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Natural hazards · Hill Lake

Hill Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hill Lake comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Hill Lake?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hill Lake to be higher than in 67% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves33%Everything else9%
By hazard

What Hill Lake faces

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

Inland flooding

59% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Cold waves

33% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 15 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 Hill Lake flood?

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

of all homes
are insured
No community discount. Hill 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: Aitkin County.
Disasters that hit Hill Lake

4 federal disasters brought FEMA money here

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

Brought FEMA money into Hill LakeDeclared for Aitkin County only
2023

Severe Storms and Flooding

$9K to the Township of Hill Lake for repairs
2018

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$32K to the Township of Hill Lake for repairs
2012

Severe Storms and Flooding

$58K to the Township of Hill Lake for repairs
1999

Severe Storms, Winds, and Flooding

$8K to the Township of Hill Lake for repairs
Aitkin County has had 18 natural disasters declared since 1953, most often floods and severe storms.
Around Hill Lake

Hill Lake and the towns around it

Macville: High, mostly inland floodingSpang: Moderate, mostly cold wavesWildwood: Moderate, mostly cold wavesHarris: Moderate, mostly cold wavesHill Lake: High, mostly inland flooding Hill LakeMacvilleSpang
Very lowLowModerateHighVery high
Hill Lakemostly inland floodingHigh
Macvillemostly inland floodingHigh
Spangmostly cold wavesModerate
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. Hill 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 Hill Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hill 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.

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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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