TownTapestry
Sign inJoin
Sturgeon LakeGood evening
Natural hazards · Sturgeon Lake

Sturgeon Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Sturgeon Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 17 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

How exposed is Sturgeon Lake?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sturgeon Lake to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves27%Everything else13%
By hazard

What Sturgeon Lake faces

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

Inland flooding

61% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 2 years in the area

Cold waves

27% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 11 times a year 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 Sturgeon Lake flood?

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

17paid claims since 1997
$927Kpaid to owners
0homes flooded more than once
19972026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Sturgeon 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: Pine County.
Disasters that hit Sturgeon Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Sturgeon LakeDeclared for Pine County only
2023

Severe Storms and Flooding

$23K to the Township of Sturgeon Lake for repairs
2012

Severe Storms and Flooding

$55K to the Township of Sturgeon Lake for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$15K to the Township of Sturgeon Lake for repairs
Pine County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around Sturgeon Lake

Sturgeon Lake and the towns around it

Sturgeon Lake: Moderate, mostly inland floodingSilver: Low, mostly cold wavesKettle River: Moderate, mostly inland floodingBirch Creek: Moderate, mostly inland floodingWillow River: Moderate, mostly inland floodingWindemere: Moderate, mostly inland floodingDenham: Moderate, mostly inland floodingSplit Rock: Low, mostly cold wavesKalevala: Low, mostly cold wavesMoose Lake: Low, mostly cold wavesMoose Lake: Low, mostly cold wavesRutledge: Moderate, mostly inland floodingFinlayson: Moderate, mostly inland floodingNorman: Moderate, mostly inland floodingBremen: Moderate, mostly inland floodingPine Lake: Moderate, mostly inland floodingMillward: Moderate, mostly inland floodingKerrick: Moderate, mostly inland floodingSturgeon Lake: Moderate, mostly inland flooding Sturgeon LakeSturgeon LakeSilverKettle RiverBirch CreekWillow RiverWindemereDenham
Very lowLowModerateHighVery high
Sturgeon Lakemostly inland floodingModerate
Sturgeon Lakemostly inland floodingModerate
Kettle Rivermostly inland floodingModerate
Birch Creekmostly inland floodingModerate
Willow Rivermostly inland floodingModerate
Denhammostly inland floodingModerate
Windemeremostly inland floodingModerate
Silvermostly 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. Sturgeon Lake covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Sturgeon Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Sturgeon 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 Sturgeon 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.

The porch light’s on

Where to, neighbor?

You’re in Sturgeon Lake, MNPine CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Sturgeon Lake is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

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