Natural hazards · Oak Lawn

Oak Lawn, MN natural hazards

Most of the natural-hazard damage FEMA expects in Oak Lawn comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oak Lawn?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Lawn to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves29%Tornadoes6%Everything else11%

By hazard

What Oak Lawn faces

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

Inland flooding

54% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Cold waves

29% of expected damage

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

Recorded about 14 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 66% of U.S. places

Lower here

HailIce 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 Oak Lawn flood?

FEMA's records show no paid flood insurance claims in Oak Lawn.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crow Wing County.

Disasters that hit Oak Lawn

2 federal disasters brought FEMA money here

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

Brought FEMA money into Oak LawnDeclared for Crow Wing County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$4K to the Township of Oak Lawn for repairs

2012

Severe Storms and Flooding

$18K to the Township of Oak Lawn for repairs

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

Around Oak Lawn

Oak Lawn and the towns around it

Very lowLowModerateHighVery high

Long Lakemostly inland floodingHigh

Centermostly inland floodingHigh

Brainerdmostly inland floodingLow

Nokay Lakemostly inland floodingLow

Rivertonmostly inland floodingLow

Oak Lawnmostly inland floodingLow

Irondalemostly 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. Oak Lawn covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oak Lawn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oak Lawn. 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 Oak Lawn total about $2.1M 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.