Natural hazards · Otter Tail Peninsula

Otter Tail Peninsula, MN natural hazards

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

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

Expected damage

How exposed is Otter Tail Peninsula?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otter Tail Peninsula to be higher than in 3% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves39%Tornadoes5%Everything else12%

By hazard

What Otter Tail Peninsula faces

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

Inland flooding

44% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 7 years in the area

Cold waves

39% of expected damage

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

Recorded about 16 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 11 years in the area

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 Otter Tail Peninsula flood?

FEMA's records show no paid flood insurance claims in Otter Tail Peninsula.

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Otter Tail Peninsula

Federal disasters declared here

None of the disasters declared for Cass County shows FEMA aid or repair money reaching Otter Tail Peninsula itself in FEMA’s records.

Brought FEMA money into Otter Tail PeninsulaDeclared for Cass County only

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

Around Otter Tail Peninsula

Otter Tail Peninsula and the towns around it

Very lowLowModerateHighVery high

Otter Tail Peninsulamostly inland floodingVery low

Wilkinsonmostly 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. Otter Tail Peninsula covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Otter Tail Peninsula’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Otter Tail Peninsula. 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 Otter Tail Peninsula total about $1.1M 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.