Natural hazards · Home Brook

Home Brook, MN natural hazards

Most of the natural-hazard damage FEMA expects in Home Brook comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Home Brook?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Home Brook to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves21%Tornadoes5%Everything else12%

By hazard

What Home Brook faces

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

Inland flooding

61% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 7 years in the area

Cold waves

21% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 15 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 22 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 Home Brook flood?

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

of all homes
are insured

No community discount. Home 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: Cass County.

Disasters that hit Home Brook

1 federal disaster brought FEMA money here

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

Brought FEMA money into Home BrookDeclared for Cass County only

2012

Severe Storms and Flooding

$9K to the Township of Home Brook for repairs

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

Around Home Brook

Home Brook and the towns around it

Very lowLowModerateHighVery high

Maplemostly inland floodingModerate

Home Brookmostly inland floodingLow

Lake Shoremostly inland floodingLow

Fairviewmostly inland floodingLow

Meadow Brookmostly inland floodingLow

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