Silver Bay, MN natural hazards
Most of the natural-hazard damage FEMA expects in Silver Bay comes from cold waves, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Silver Bay?
FEMA expects yearly storm and flood damage to homes and buildings in Silver Bay to be higher than in 22% of U.S. communities, mostly from cold waves and inland flooding.
What Silver Bay faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Cold waves
Inland flooding
Strong wind
Lightning
Lower here
Not a risk here
Does Silver Bay flood?
FEMA's records show no paid flood insurance claims in Silver Bay.
are insured
4 federal disasters brought FEMA money here
Disasters the President declared that paid out in Silver Bay itself: aid to households, or repair grants to the City of Silver Bay.
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms, Winds, and Flooding
Silver Bay and the towns around it
How to read this page
FEMA’s expected losses across Silver Bay total about $2.0M 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.