Natural hazards · Isle Harbor

Isle Harbor, MN natural hazards

Most of the natural-hazard damage FEMA expects in Isle Harbor 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 Isle Harbor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Isle Harbor to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves11%Tornadoes6%Everything else11%

By hazard

What Isle Harbor faces

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

Inland flooding

73% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 2 years in the area

Cold waves

11% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 48 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 Isle Harbor flood?

FEMA's records show no paid flood insurance claims in Isle Harbor.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mille Lacs County.

Disasters that hit Isle Harbor

Federal disasters declared here

None of the disasters declared for Mille Lacs County shows FEMA aid or repair money reaching Isle Harbor itself in FEMA’s records.

Brought FEMA money into Isle HarborDeclared for Mille Lacs County only

Mille Lacs County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Isle Harbor

Isle Harbor and the towns around it

Very lowLowModerateHighVery high

Idunmostly inland floodingHigh

South Harbormostly inland floodingModerate

Lewismostly inland floodingModerate

Hay Brookmostly inland floodingModerate

Isle Harbormostly inland floodingModerate

Islemostly inland floodingModerate

East Sidemostly 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. Isle Harbor 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 Isle Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Isle Harbor. 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.