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Natural hazards · Split Rock

Split Rock, MN natural hazards

Most of the natural-hazard damage FEMA expects in Split Rock comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

How exposed is Split Rock?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Split Rock to be higher than in 38% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves56%Inland flooding34%Everything else10%
By hazard

What Split Rock faces

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

Cold waves

56% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 16 times a year in the area

Inland flooding

34% of expected damage
Above average · higher than 65% of U.S. places
Recorded about once every 2 years 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 Split Rock flood?

FEMA's records show no paid flood insurance claims in Split Rock.

of all homes
are insured
No community discount. Split Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carlton County.
Disasters that hit Split Rock

2 federal disasters brought FEMA money here

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

Brought FEMA money into Split RockDeclared for Carlton County only
2023

Severe Storms and Flooding

$8K to the Township of Split Rock for repairs
2012

Severe Storms and Flooding

$6K to the Township of Split Rock for repairs
Carlton County has had 7 natural disasters declared since 1953, most often floods and severe storms.
Around Split Rock

Split Rock and the towns around it

Silver: Low, mostly cold wavesAutomba: Low, mostly cold wavesBeaver: Moderate, mostly inland floodingBirch Creek: Moderate, mostly inland floodingSturgeon Lake: Moderate, mostly inland floodingKalevala: Low, mostly cold wavesMoose Lake: Low, mostly cold wavesMoose Lake: Low, mostly cold wavesLakeview: Low, mostly cold wavesSalo: Moderate, mostly inland floodingMillward: Moderate, mostly inland floodingRice River: Moderate, mostly inland floodingDenham: Moderate, mostly inland floodingBremen: Moderate, mostly inland floodingSplit Rock: Low, mostly cold waves Split RockSilverAutombaBeaverBirch Creek
Very lowLowModerateHighVery high
Birch Creekmostly inland floodingModerate
Beavermostly inland floodingModerate
Split Rockmostly cold wavesLow
Silvermostly cold wavesLow
Autombamostly cold wavesLow
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. Split Rock 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 Split Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Split Rock. 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.

The coffee’s on

Where to, neighbor?

You’re in Split Rock, MNCarlton CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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