Natural hazards · Le Sauk

Le Sauk, MN natural hazards

Most of the natural-hazard damage FEMA expects in Le Sauk comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 2019.

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

Expected damage

How exposed is Le Sauk?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Le Sauk to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes11%Cold waves7%Everything else12%

By hazard

What Le Sauk faces

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

Inland flooding

70% of expected damage

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

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Cold waves

7% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 13 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 Le Sauk flood?

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

4paid claims since 2019

$29Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Le Sauk 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 Le Sauk

Federal disasters declared here

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

Brought FEMA money into Le SaukDeclared for Stearns County only

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

Around Le Sauk

Le Sauk and the towns around it

Very lowLowModerateHighVery high

Watabmostly inland floodingVery high

Le Saukmostly inland floodingVery high

Sartellmostly inland floodingHigh

St. Wendelmostly inland floodingHigh

Brockwaymostly inland floodingHigh

Sauk Rapidsmostly inland floodingModerate

St. Cloudmostly inland floodingModerate

Sauk Rapidsmostly inland floodingModerate

St. Josephmostly 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. Le Sauk covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Le Sauk’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Le Sauk. 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 Le Sauk total about $4.3M 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.