Natural hazards · North Oaks

North Oaks, MN natural hazards

Most of the natural-hazard damage FEMA expects in North Oaks comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is North Oaks?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Oaks to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding53%Cold waves14%Tornadoes14%Hail7%Heat waves6%Everything else7%

By hazard

What North Oaks faces

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

Inland flooding

53% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

14% of expected damage

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

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 6 times a year in the area

Heat waves

6% 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 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 North Oaks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ramsey County.

Disasters that hit North Oaks

Federal disasters declared here

None of the disasters declared for Ramsey County shows FEMA aid or repair money reaching North Oaks itself in FEMA’s records.

Brought FEMA money into North OaksDeclared for Ramsey County only

Ramsey County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around North Oaks

North Oaks and the towns around it

Very lowLowModerateHighVery high

Lino Lakesmostly inland floodingHigh

Shoreviewmostly inland floodingModerate

White Bearmostly inland floodingLow

North Oaksmostly inland floodingLow

Vadnais Heightsmostly 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 Oaks covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Oaks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North Oaks. 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 North Oaks total about $3.3M 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.