Natural hazards · Milaca

Milaca, MN natural hazards

Most of the natural-hazard damage FEMA expects in Milaca comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2001.

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

Expected damage

How exposed is Milaca?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milaca to be higher than in 51% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves17%Tornadoes6%Strong wind6%Everything else9%

By hazard

What Milaca faces

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

Inland flooding

62% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 2 years in the area

Cold waves

17% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 52 years in the area

Strong wind

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HailIce 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 Milaca flood?

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

3paid claims since 2001

$17Kpaid to owners

0homes flooded more than once

20012026

Biggest named events

Severe flooding: 2 claims, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mille Lacs County.

Disasters that hit Milaca

Federal disasters declared here

None of the disasters declared for Mille Lacs County shows FEMA aid or repair money reaching Milaca itself in FEMA’s records.

Brought FEMA money into MilacaDeclared for Mille Lacs County only

Mille Lacs County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Milaca

Milaca and the towns around it

Very lowLowModerateHighVery high

Borgholmmostly inland floodingModerate

Milacamostly inland floodingModerate

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. Milaca is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Milaca’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Milaca. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.