Natural hazards · Ponto Lake

Ponto Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Ponto Lake comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ponto Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ponto Lake to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding66%Cold waves21%Everything else13%

By hazard

What Ponto Lake faces

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

Inland flooding

66% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 7 years in the area

Cold waves

21% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 16 times a year in the area

Lower here

TornadoesHailIce 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 Ponto Lake flood?

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

of all homes
are insured

No community discount. Ponto 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: Cass County.

Disasters that hit Ponto Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Ponto LakeDeclared for Cass County only

2022

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

$13K to the Township of Ponto Lake for repairs

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

Around Ponto Lake

Ponto Lake and the towns around it

Very lowLowModerateHighVery high

Timothymostly inland floodingHigh

Ponto Lakemostly inland floodingLow

Blind Lakemostly inland floodingLow

Powersmostly inland floodingVery low

Barclaymostly inland floodingVery low

Woodrowmostly 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. Ponto 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 Ponto Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ponto 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.