Natural hazards · Lakeville

Lakeville, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lakeville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1984. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lakeville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lakeville to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes22%Strong wind13%Cold waves8%Hail6%Everything else4%

By hazard

What Lakeville faces

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

Inland flooding

48% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 86% of U.S. places

Strong wind

13% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 9 times a year in the area

Hail

6% of expected damage

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

Recorded about 7 times a year in the area

Lower here

Ice 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 Lakeville flood?

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

3paid claims since 1984

$15Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Lakeville

2 federal disasters brought FEMA money here

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

Brought FEMA money into LakevilleDeclared for Dakota County only

2012

Severe Storms and Flooding

$151K to the City of Lakeville for repairs

2000

Severe Storms and Flooding

$25K to the City of Lakeville for repairs

Dakota County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Lakeville

Lakeville and the towns around it

Very lowLowModerateHighVery high

Farmingtonmostly inland floodingModerate

Credit Rivermostly inland floodingModerate

Empiremostly inland floodingModerate

Lakevillemostly inland floodingModerate

Apple Valleymostly inland floodingLow

Eurekamostly inland floodingLow

Burnsvillemostly 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. Lakeville covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Lakeville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lakeville. 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 Lakeville total about $22.7M 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.