Natural hazards · Lone Tree

Lone Tree, MN natural hazards

Most of the natural-hazard damage FEMA expects in Lone Tree comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Tree?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Tree to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves15%Tornadoes8%Heat waves7%Strong wind5%Everything else9%

By hazard

What Lone Tree faces

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

Inland flooding

56% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Cold waves

15% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 13 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 10 years in the area

Heat waves

7% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce 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 Lone Tree flood?

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

2paid claims since 1997

$23Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Severe flooding: 1 claim, $11K

of all homes
are insured

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

Insurance rates: Chippewa County.

Disasters that hit Lone Tree

3 federal disasters brought FEMA money here

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

Brought FEMA money into Lone TreeDeclared for Chippewa County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$4K to the Township of Lone Tree for repairs

2010

Flooding

$4K to the Township of Lone Tree for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$9K to the Township of Lone Tree for repairs

Chippewa County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Lone Tree

Lone Tree and the towns around it

Very lowLowModerateHighVery high

Lone Treemostly inland floodingHigh

Rheiderlandmostly inland floodingHigh

Cratemostly inland floodingHigh

Woodsmostly inland floodingModerate

Raymondmostly inland floodingLow

Edwardsmostly 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. Lone Tree covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lone Tree’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lone Tree. 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 Lone Tree total about $2.2M 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.