Natural hazards · La Garde

La Garde, MN natural hazards

Most of the natural-hazard damage FEMA expects in La Garde 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 La Garde?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Garde to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves26%Drought11%Tornadoes8%Strong wind7%Hail6%Everything else8%

By hazard

What La Garde faces

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

Inland flooding

35% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Cold waves

26% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 19 times a year in the area

Drought

11% of expected damage

Recorded about 13 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 6 years in the area

Strong wind

7% of expected damage

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

Recorded about 2 times a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 La Garde flood?

FEMA's records show no paid flood insurance claims in La Garde.

of all homes
are insured

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

Insurance rates: Mahnomen County.

Disasters that hit La Garde

Federal disasters declared here

None of the disasters declared for Mahnomen County shows FEMA aid or repair money reaching La Garde itself in FEMA’s records.

Brought FEMA money into La GardeDeclared for Mahnomen County only

Mahnomen County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around La Garde

La Garde and the towns around it

Very lowLowModerateHighVery high

La Gardemostly inland floodingLow

Rosedalemostly inland floodingLow

Beaulieumostly inland floodingLow

Twin Lakesmostly inland floodingLow

Oaklandmostly 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. La Garde covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to La Garde’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of La Garde. 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 La Garde total about $854K 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.