Natural hazards · Pokegama

Pokegama, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pokegama comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pokegama?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pokegama to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves22%Tornadoes6%Everything else10%

By hazard

What Pokegama faces

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

Inland flooding

62% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 2 years in the area

Cold waves

22% of expected damage

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

Recorded about 11 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 25 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 Pokegama flood?

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

13paid claims since 1997

$137Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Severe flooding: 3 claims, $7K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pokegama 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 Pokegama

3 federal disasters brought FEMA money here

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

Brought FEMA money into PokegamaDeclared for Pine County only

2023

Severe Storms and Flooding

$93K to the Township of Pokegama for repairs

2018

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$71K to the Township of Pokegama for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$23K to the Township of Pokegama for repairs

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

Around Pokegama

Pokegama and the towns around it

Very lowLowModerateHighVery high

Pokegamamostly inland floodingHigh

Royaltonmostly inland floodingHigh

Pine Citymostly inland floodingHigh

Chengwatanamostly inland floodingHigh

Pine Citymostly inland floodingHigh

Comfortmostly inland floodingHigh

Brook Parkmostly 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. Pokegama covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pokegama’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pokegama. 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 Pokegama total about $3.2M 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.