Natural hazards · Tonka Bay

Tonka Bay, MN natural hazards

Most of the natural-hazard damage FEMA expects in Tonka Bay comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1993.

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

Expected damage

How exposed is Tonka Bay?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tonka Bay to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves20%Tornadoes18%Hail8%Heat waves8%Everything else3%

By hazard

What Tonka Bay faces

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

Inland flooding

43% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

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

Recorded about 9 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 81% of U.S. places

Hail

8% of expected damage

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

Recorded about 7 times a year in the area

Heat waves

8% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Tonka Bay flood?

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

4paid claims since 1993

$94Kpaid to owners

1homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $35K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hennepin County.

Disasters that hit Tonka Bay

Federal disasters declared here

None of the disasters declared for Hennepin County shows FEMA aid or repair money reaching Tonka Bay itself in FEMA’s records.

Brought FEMA money into Tonka BayDeclared for Hennepin County only

Hennepin County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Tonka Bay

Tonka Bay and the towns around it

Very lowLowModerateHighVery high

Shorewoodmostly inland floodingLow

Tonka Baymostly inland floodingLow

Village of Minnetonka Beachmostly inland floodingLow

Oronomostly 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. Tonka Bay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tonka Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tonka Bay. 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 Tonka Bay total about $1.8M 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.