Natural hazards · Lake Emma

Lake Emma, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lake Emma comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lake Emma?

High

vs. U.S. communities

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

Inland flooding80%Tornadoes6%Cold waves6%Everything else8%

By hazard

What Lake Emma faces

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

Inland flooding

80% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 10 years in the area

Cold waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year 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 Lake Emma flood?

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

of all homes
are insured

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

Insurance rates: Hubbard County.

Disasters that hit Lake Emma

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lake EmmaDeclared for Hubbard County only

1999

Severe Storms, Winds, and Flooding

$7K to the Township of Lake Emma for repairs

Hubbard County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Lake Emma

Lake Emma and the towns around it

Very lowLowModerateHighVery high

Lake Emmamostly inland floodingHigh

Claymostly inland floodingHigh

Aragomostly inland floodingHigh

Henriettamostly inland floodingModerate

Mantrapmostly 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. Lake Emma 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 Lake Emma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lake Emma. 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.