Natural hazards · Pine River

Pine River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pine River comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Pine River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine River to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves29%Strong wind5%Everything else14%

By hazard

What Pine River faces

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

Inland flooding

52% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

29% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 15 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 River flood?

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

of all homes
are insured

No community discount. Pine River 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 Pine River

Federal disasters declared here

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

Brought FEMA money into Pine RiverDeclared for Cass County only

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

Around Pine River

Pine River and the towns around it

Very lowLowModerateHighVery high

Pine Rivermostly inland floodingModerate

Wilsonmostly inland floodingModerate

Waldenmostly inland floodingModerate

Chickamaw Beachmostly inland floodingModerate

Barclaymostly inland floodingVery low

Pine Rivermostly 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 River 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 River’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine River. 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.