Natural hazards · Howard Lake

Howard Lake, MN natural hazards

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

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

Expected damage

How exposed is Howard Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Howard Lake to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes18%Strong wind14%Hail9%Everything else9%

By hazard

What Howard Lake faces

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

Inland flooding

50% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 19 years in the area

Strong wind

14% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

9% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Howard Lake flood?

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

of all homes
are insured

No community discount. Howard 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: Wright County.

Disasters that hit Howard Lake

Federal disasters declared here

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

Brought FEMA money into Howard LakeDeclared for Wright County only

Wright County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Howard Lake

Howard Lake and the towns around it

Very lowLowModerateHighVery high

Howard Lakemostly inland floodingLow

Middlevillemostly inland floodingLow

Victormostly 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. Howard Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Howard Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Howard 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 Howard 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.