Natural hazards · Laketown

Laketown, MN natural hazards

Most of the natural-hazard damage FEMA expects in Laketown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2014.

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

Expected damage

How exposed is Laketown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laketown to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes19%Strong wind14%Cold waves13%Hail7%Heat waves6%Everything else2%

By hazard

What Laketown faces

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

Inland flooding

40% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 41 years in the area

Strong wind

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 10 times a year in the area

Hail

7% of expected damage

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

Recorded about 7 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Laketown flood?

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

1paid claims since 2014

$33Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carver County.

Disasters that hit Laketown

Federal disasters declared here

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

Brought FEMA money into LaketownDeclared for Carver County only

Carver County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Laketown

Laketown and the towns around it

Very lowLowModerateHighVery high

Dahlgrenmostly inland floodingLow

Waconiamostly inland floodingLow

Laketownmostly inland floodingLow

Minnetristamostly inland floodingLow

Chaskamostly inland floodingLow

Victoriamostly inland floodingLow

Waconiamostly 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. Laketown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Laketown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Laketown. 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 Laketown total about $2.8M 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.