Natural hazards · Pine Lake

Pine Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pine Lake 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 Pine Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lake to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves17%Drought16%Everything else19%

By hazard

What Pine Lake faces

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

Inland flooding

48% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 2 years in the area

Cold waves

17% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 18 times a year in the area

Drought

16% of expected damage

Recorded about 24 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lake flood?

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

Disasters that hit Pine Lake

Federal disasters declared here

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

Brought FEMA money into Pine LakeDeclared for Clearwater County only

Clearwater County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Pine Lake

Pine Lake and the towns around it

Very lowLowModerateHighVery high

Edenmostly inland floodingLow

Pine Lakemostly inland floodingLow

Leonmostly inland floodingLow

Winsormostly inland floodingLow

Eddymostly 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. Pine Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Pine Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Pine Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.