Natural hazards · Lino Lakes

Lino Lakes, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lino Lakes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1983.

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

Expected damage

How exposed is Lino Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lino Lakes to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding71%Strong wind9%Tornadoes7%Everything else13%

By hazard

What Lino Lakes faces

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

Inland flooding

71% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 2 years in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 56% of U.S. places

Lower here

HailIce 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 Lino Lakes flood?

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

2paid claims since 1983

$9Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Anoka County.

Disasters that hit Lino Lakes

Federal disasters declared here

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

Brought FEMA money into Lino LakesDeclared for Anoka County only

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

Around Lino Lakes

Lino Lakes and the towns around it

Very lowLowModerateHighVery high

Circle Pinesmostly inland floodingHigh

Lino Lakesmostly inland floodingHigh

Blainemostly inland floodingHigh

Hugomostly inland floodingModerate

White Bearmostly inland floodingLow

Columbusmostly inland floodingLow

North Oaksmostly 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. Lino Lakes covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Lino Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lino Lakes. 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 Lino Lakes total about $8.5M 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.