Natural hazards · Perch Lake

Perch Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Perch Lake comes from cold waves, 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 Perch Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Perch Lake to be higher than in 32% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves62%Inland flooding29%Everything else9%

By hazard

What Perch Lake faces

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

Cold waves

62% of expected damage

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

Recorded about 16 times a year in the area

Inland flooding

29% of expected damage

Above average · higher than 60% 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 Perch Lake flood?

FEMA's records show no paid flood insurance claims in Perch Lake.

of all homes
are insured

No community discount. Perch 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 Perch Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Perch LakeDeclared for Carlton County only

2012

Severe Storms and Flooding

$3K to the Township of Perch Lake for repairs

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

Around Perch Lake

Perch Lake and the towns around it

Very lowLowModerateHighVery high

Stoney Brookmostly inland floodingHigh

Cloquetmostly cold wavesHigh

Perch 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. Perch Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Perch Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Perch Lake. 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 Perch Lake total about $2.4M 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.