Natural hazards · Lake Henry

Lake Henry, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lake Henry 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 Lake Henry?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Henry to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes10%Hail7%Strong wind7%Everything else10%

By hazard

What Lake Henry faces

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

Inland flooding

66% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 7 years in the area

Hail

7% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Henry flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit Lake Henry

Federal disasters declared here

None of the disasters declared for Stearns County shows FEMA aid or repair money reaching Lake Henry itself in FEMA’s records.

Brought FEMA money into Lake HenryDeclared for Stearns County only

Stearns County has had 11 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. Lake Henry 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 Henry’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Henry. 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.