Natural hazards · Hoyt Lakes

Hoyt Lakes, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hoyt Lakes comes from cold waves, and overall the risk is very low 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 Hoyt Lakes?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hoyt Lakes to be higher than in 15% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves72%Inland flooding19%Everything else9%

By hazard

What Hoyt Lakes faces

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

Cold waves

72% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

19% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Hoyt Lakes flood?

FEMA's records show no paid flood insurance claims in Hoyt Lakes.

of all homes
are insured

No community discount. Hoyt Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: St. Louis County.

Disasters that hit Hoyt Lakes

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hoyt Lakes itself: aid to households, or repair grants to the City of Hoyt Lakes.

Brought FEMA money into Hoyt LakesDeclared for St. Louis County only

2024

Severe Storms and Flooding

6 households applied for aid $24K aid approved $67K to the City of Hoyt Lakes for repairs

1999

Severe Storms, Winds, and Flooding

$15K to the City of Hoyt Lakes for repairs

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

Around Hoyt Lakes

Hoyt Lakes and the towns around it

Very lowLowModerateHighVery high

Bassettmostly cold wavesModerate

Waasamostly cold wavesModerate

Babbittmostly cold wavesLow

Whitemostly cold wavesLow

Hoyt Lakesmostly cold wavesVery low

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. Hoyt Lakes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hoyt Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hoyt Lakes. 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 Hoyt Lakes total about $1.9M 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.