Natural hazards · Moose Lake

Moose Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Moose Lake comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2012.

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

Expected damage

How exposed is Moose Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moose Lake to be higher than in 28% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves68%Inland flooding23%Everything else9%

By hazard

What Moose Lake faces

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

Cold waves

68% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 16 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Moose Lake flood?

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

3paid claims since 2012

$155Kpaid to owners

1homes flooded more than once

20122026

Homes that flooded again and again

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

of all homes
are insured

No community discount. Moose 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: Carlton County.

Disasters that hit Moose Lake

Federal disasters declared here

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

Brought FEMA money into Moose LakeDeclared for Carlton County only

Carlton County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Moose Lake

Moose Lake and the towns around it

Very lowLowModerateHighVery high

Silvermostly cold wavesLow

Moose Lakemostly cold wavesLow

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. Moose Lake 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 Moose Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Moose Lake. 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.