Natural hazards · North Fork

North Fork, MN natural hazards

Most of the natural-hazard damage FEMA expects in North Fork comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North Fork?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Fork to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes10%Hail7%Strong wind7%Everything else10%

By hazard

What North Fork faces

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

Inland flooding

66% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 7 years in the area

Hail

7% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 North Fork flood?

FEMA's records show no paid flood insurance claims in North Fork.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit North Fork

1 federal disaster brought FEMA money here

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

Brought FEMA money into North ForkDeclared for Stearns County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$12K to the Township of North Fork for repairs

Stearns County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around North Fork

North Fork and the towns around it

Very lowLowModerateHighVery high

Raymondmostly inland floodingModerate

Bangormostly inland floodingModerate

North Forkmostly inland floodingLow

Brootenmostly inland floodingLow

Lake Georgemostly inland floodingLow

Crow Lakemostly 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. North Fork 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 North Fork’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North Fork. 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.