Natural hazards · Lake Mary

Lake Mary, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lake Mary comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 2001. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lake Mary?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Mary to be higher than in 22% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves25%Tornadoes13%Strong wind7%Everything else9%

By hazard

What Lake Mary faces

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

Inland flooding

46% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 3 years in the area

Cold waves

25% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 16 years in the area

Strong wind

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat 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 Mary flood?

Every paid claim on a federal flood insurance policy in Lake Mary, from FEMA’s records.

7paid claims since 2001

$209Kpaid to owners

0homes flooded more than once

20012026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Lake Mary

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lake MaryDeclared for Douglas County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$6K to the Township of Lake Mary for repairs

Douglas County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Lake Mary

Lake Mary and the towns around it

Very lowLowModerateHighVery high

Renomostly inland floodingHigh

Hudsonmostly inland floodingModerate

Lake Marymostly inland floodingLow

La Grandmostly inland floodingLow

Holmes Citymostly inland floodingLow

Alexandriamostly inland floodingVery low

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 Mary covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake Mary’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lake Mary. 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 Mary total about $1.5M 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.