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 very low for a U.S. community.

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

Expected damage

How exposed is Pine Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lake to be higher than in 15% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves23%Tornadoes13%Everything else13%

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

51% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 15 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 14 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 Pine Lake flood?

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

of all homes
are insured

No community discount. Pine 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: Otter Tail County.

Disasters that hit Pine Lake

Federal disasters declared here

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

Brought FEMA money into Pine LakeDeclared for Otter Tail County only

Otter Tail County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Pine Lake

Pine Lake and the towns around it

Very lowLowModerateHighVery high

Ottomostly inland floodingModerate

Pine Lakemostly inland floodingVery low

Perhammostly inland floodingVery low

Homesteadmostly 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. 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.