Natural hazards · Pine

Pine, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pine comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2001.

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

Expected damage

How exposed is Pine?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves27%Tornadoes8%Everything else11%

By hazard

What Pine faces

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

Inland flooding

55% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 2 years in the area

Cold waves

27% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% 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 Pine flood?

Every paid claim on a federal flood insurance policy in Pine, from FEMA’s records.

2paid claims since 2001

$6Kpaid to owners

0homes flooded more than once

20012026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pine County.

Disasters that hit Pine

Federal disasters declared here

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

Brought FEMA money into PineDeclared for Pine County only

Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Pine

Pine and the towns around it

Very lowLowModerateHighVery high

Pokegamamostly inland floodingHigh

Pine Citymostly inland floodingHigh

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. Pine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine. 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 Pine total about $2.7M 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.