Natural hazards · Isle

Isle, MN natural hazards

Most of the natural-hazard damage FEMA expects in Isle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2011.

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

Expected damage

How exposed is Isle?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Isle 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 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 flood?

Every paid claim on a federal flood insurance policy in Isle, from FEMA’s records.

2paid claims since 2011

$26Kpaid to owners

1homes flooded more than once

20112026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Isle 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

Federal disasters declared here

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

Brought FEMA money into IsleDeclared for Mille Lacs County only

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

Around Isle

Isle and the towns around it

Very lowLowModerateHighVery high

Islemostly inland floodingModerate

Isle Harbormostly 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 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’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Isle. 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.