Natural hazards · Kettle River

Kettle River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Kettle River comes from cold waves, 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 Kettle River?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kettle River to be higher than in 38% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves56%Inland flooding34%Everything else10%

By hazard

What Kettle River faces

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

Cold waves

56% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 16 times a year in the area

Inland flooding

34% of expected damage

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

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce 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 Kettle River flood?

FEMA's records show no paid flood insurance claims in Kettle River.

of all homes
are insured

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

Insurance rates: Carlton County.

Disasters that hit Kettle River

Federal disasters declared here

None of the disasters declared for Carlton County shows FEMA aid or repair money reaching Kettle River itself in FEMA’s records.

Brought FEMA money into Kettle RiverDeclared for Carlton County only

Carlton County has had 7 natural disasters declared since 1953, most often floods and severe storms.

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