Natural hazards · Minnetonka

Minnetonka, MN natural hazards

Most of the natural-hazard damage FEMA expects in Minnetonka comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 16 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Minnetonka?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minnetonka to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves21%Tornadoes21%Heat waves8%Hail8%Everything else3%

By hazard

What Minnetonka faces

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

Inland flooding

39% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% 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 87% of U.S. places

Heat waves

8% of expected damage

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

Recorded about 7 times a year in the area

Hail

8% of expected damage

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

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Minnetonka flood?

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

16paid claims since 1980

$122Kpaid to owners

1homes flooded more than once

19802026

Biggest named events

Severe flooding: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Minnetonka 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 Minnetonka

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Minnetonka itself: aid to households, or repair grants to the City of Minnetonka.

Brought FEMA money into MinnetonkaDeclared for Hennepin County only

2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$45K to the City of Minnetonka for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$147K to the City of Minnetonka for repairs

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

Around Minnetonka

Minnetonka and the towns around it

Very lowLowModerateHighVery high

Eden Prairiemostly inland floodingLow

Deephavenmostly inland floodingLow

Woodlandmostly inland floodingLow

Shorewoodmostly inland floodingLow

Edinamostly inland floodingLow

Plymouthmostly inland floodingLow

Minnetonkamostly inland floodingLow

Hopkinsmostly inland floodingLow

Wayzatamostly inland floodingVery low

St. Louis Parkmostly inland floodingVery low

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. Minnetonka covers 15 census tracts, combined by population.

Money that reached townFlood claims are matched to Minnetonka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Minnetonka. 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 Minnetonka total about $20.2M 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.