Natural hazards · Spring Lake

Spring Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Spring Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake to be higher than in 50% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding39%Strong wind20%Tornadoes19%Cold waves11%Everything else11%

By hazard

What Spring Lake faces

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

Inland flooding

39% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Strong wind

20% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 41 years in the area

Cold waves

11% of expected damage

Above average · higher than 57% 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 Spring Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Spring 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: Scott County.

Disasters that hit Spring Lake

Federal disasters declared here

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

Brought FEMA money into Spring LakeDeclared for Scott County only

Scott County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Spring Lake

Spring Lake and the towns around it

Very lowLowModerateHighVery high

Sand Creekmostly inland floodingHigh

Cedar Lakemostly inland floodingModerate

Prior Lakemostly inland floodingModerate

Credit Rivermostly inland floodingModerate

Spring Lakemostly inland floodingModerate

Shakopeemostly 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. Spring Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spring Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spring 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 Spring Lake total about $2.3M 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.