Natural hazards · Long Lake

Long Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Long Lake comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1978.

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

Expected damage

How exposed is Long Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Long Lake to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves24%Tornadoes21%Hail10%Heat waves9%Everything else4%

By hazard

What Long Lake faces

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

Inland flooding

34% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 81% of U.S. places

Hail

10% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Heat waves

9% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Long Lake flood?

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

1paid claims since 1978

$78paid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hennepin County.

Disasters that hit Long Lake

Federal disasters declared here

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

Brought FEMA money into Long LakeDeclared for Hennepin County only

Hennepin County has had 15 natural disasters declared since 1953, most often floods and severe storms.

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. Long Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Long Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Long Lake. 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 Long Lake total about $586K 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.