Natural hazards · Swan Lake

Swan Lake, MN natural hazards

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

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

Expected damage

How exposed is Swan Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Swan Lake to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves19%Hail18%Strong wind9%Tornadoes8%Everything else6%

By hazard

What Swan Lake faces

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

Inland flooding

40% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 3 years in the area

Cold waves

19% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 14 times a year in the area

Hail

18% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 3 years in the area

Lower here

Ice 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 Swan Lake flood?

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

of all homes
are insured

No community discount. Swan 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: Stevens County.

Disasters that hit Swan Lake

Federal disasters declared here

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

Brought FEMA money into Swan LakeDeclared for Stevens County only

Stevens County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Swan Lake

Swan Lake and the towns around it

Very lowLowModerateHighVery high

Noramostly inland floodingHigh

Landmostly inland floodingModerate

Swan Lakemostly inland floodingLow

Framnasmostly inland floodingLow

Rendsvillemostly inland floodingLow

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. Swan Lake 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 Swan Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Swan Lake. 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.