Natural hazards · Spencer Brook

Spencer Brook, MN natural hazards

Most of the natural-hazard damage FEMA expects in Spencer Brook comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1997. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Spencer Brook?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spencer Brook to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes11%Strong wind5%Cold waves5%Everything else10%

By hazard

What Spencer Brook faces

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

Inland flooding

69% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 23 years in the area

Strong wind

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 10 times a year in the area

Lower here

HailIce 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 Spencer Brook flood?

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

5paid claims since 1997

$35Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Severe flooding: 3 claims, $29K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Spencer Brook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Isanti County.

Disasters that hit Spencer Brook

1 federal disaster brought FEMA money here

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

Brought FEMA money into Spencer BrookDeclared for Isanti County only

2001

Severe Winter Storms, Flooding, and Tornadoes

$15K to the Township of Spencer Brook for repairs

Isanti County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Spencer Brook

Spencer Brook and the towns around it

Very lowLowModerateHighVery high

Spencer Brookmostly inland floodingHigh

Stanfordmostly inland floodingHigh

Wyanettmostly inland floodingHigh

Baldwinmostly inland floodingHigh

Bradfordmostly inland floodingModerate

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. Spencer Brook covers 1 census tract, combined by population.

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