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Natural hazards · Lake Benton

Lake Benton, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lake Benton comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Lake Benton?

64
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Benton to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves15%Tornadoes7%Heat waves7%Hail7%Drought5%Everything else8%
By hazard

What Lake Benton faces

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

Inland flooding

51% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once a year in the area

Cold waves

15% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 13 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 9 years in the area

Heat waves

7% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 3 times a year in the area

Hail

7% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 5 times a year in the area

Drought

5% of expected damage
Recorded about 10 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Lake Benton flood?

FEMA's records show no paid flood insurance claims in Lake Benton.

of all homes
are insured
No community discount. Lake Benton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.
Disasters that hit Lake Benton

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lake BentonDeclared for Lincoln County only
2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$5K to the City of Lake Benton for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$104K to the City of Lake Benton for repairs
2011

Severe Storms, Flooding, and Tornadoes

$11K to the City of Lake Benton for repairs
2010

Severe Storms and Flooding

$11K to the City of Lake Benton for repairs
Lincoln County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Lake Benton

Lake Benton and the towns around it

Lake Benton: High, mostly inland floodingDiamond Lake: High, mostly inland floodingVerdi: High, mostly inland floodingHope: High, mostly inland floodingLake Benton: High, mostly inland flooding Lake BentonLake Benton
Very lowLowModerateHighVery high
Lake Bentonmostly inland floodingHigh
Lake Bentonmostly inland floodingHigh
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. Lake Benton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lake Benton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Benton. 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 Lake Benton total about $2.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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