Natural hazards · Rice Lake

Rice Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Rice Lake comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2001.

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

Expected damage

How exposed is Rice Lake?

Low

vs. U.S. communities

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

Inland flooding85%Lightning7%Everything else8%

By hazard

What Rice Lake faces

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

Inland flooding

85% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Lightning

7% of expected damage

Above average · higher than 72% of U.S. places

Lower here

TornadoesHailIce stormsWildfireLandslidesStrong windDrought

Not a risk here

Coastal floodingHurricanesWinter weatherCold wavesHeat wavesEarthquakesAvalanchesTsunamisVolcanic 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 Rice Lake flood?

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

2paid claims since 2001

$3Kpaid to owners

0homes flooded more than once

20012026

Biggest named events

Severe flooding: 1 claim, $2K

of all homes
are insured

No community discount. Rice 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: St. Louis County.

Disasters that hit Rice Lake

Federal disasters declared here

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

Brought FEMA money into Rice LakeDeclared for St. Louis County only

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

Around Rice Lake

Rice Lake and the towns around it

Very lowLowModerateHighVery high

Gnesenmostly inland floodingModerate

Canosiamostly inland floodingLow

Rice Lakemostly inland floodingLow

Duluthmostly 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. Rice Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rice Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rice Lake. 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 Rice Lake total about $756K 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.