Natural hazards · Stony River

Stony River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Stony River comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2017. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stony River?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stony River to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves27%Strong wind8%Everything else9%

By hazard

What Stony River faces

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

Inland flooding

55% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Cold waves

27% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 18 times a year in the area

Strong wind

8% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Stony River flood?

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

1paid claims since 2017

$25Kpaid to owners

0homes flooded more than once

20172026

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Stony River

2 federal disasters brought FEMA money here

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

Brought FEMA money into Stony RiverDeclared for Lake County only

2012

Severe Storms and Flooding

$39K to the Township of Stony River for repairs

2009

Severe Storms and Flooding

$784 to the Township of Stony River for repairs

Lake County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Stony River

Stony River and the towns around it

Very lowLowModerateHighVery high

Stony Rivermostly inland floodingHigh

Fall Lakemostly inland floodingHigh

Beaver Baymostly inland floodingHigh

Crystal Baymostly inland floodingHigh

Silver Creekmostly inland floodingHigh

Babbittmostly 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. Stony River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stony River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Stony River. 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 Stony River total about $2.8M 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.