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Natural hazards · Windemere

Windemere, MN natural hazards

Most of the natural-hazard damage FEMA expects in Windemere comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Windemere?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windemere to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves29%Everything else11%
By hazard

What Windemere faces

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

Inland flooding

60% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 2 years in the area

Cold waves

29% 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 Windemere flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Windemere 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 Windemere

3 federal disasters brought FEMA money here

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

Brought FEMA money into WindemereDeclared for Pine County only
2023

Severe Storms and Flooding

$24K to the Township of Windemere for repairs
2012

Severe Storms and Flooding

$33K to the Township of Windemere for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

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

Windemere and the towns around it

Norman: Moderate, mostly inland floodingMoose Lake: Low, mostly cold wavesSturgeon Lake: Moderate, mostly inland floodingSturgeon Lake: Moderate, mostly inland floodingKerrick: Moderate, mostly inland floodingKettle River: Moderate, mostly inland floodingBruno: Moderate, mostly inland floodingPartridge: Moderate, mostly inland floodingMoose Lake: Low, mostly cold wavesBarnum: Moderate, mostly cold wavesSilver: Low, mostly cold wavesBirch Creek: Moderate, mostly inland floodingWillow River: Moderate, mostly inland floodingDenham: Moderate, mostly inland floodingNickerson: Moderate, mostly inland floodingKerrick: Moderate, mostly inland floodingWindemere: Moderate, mostly inland flooding WindemereNormanMoose LakeSturgeon LakeSturgeon LakeKerrick
Very lowLowModerateHighVery high
Sturgeon Lakemostly inland floodingModerate
Sturgeon Lakemostly inland floodingModerate
Windemeremostly inland floodingModerate
Normanmostly inland floodingModerate
Kerrickmostly inland floodingModerate
Moose Lakemostly 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. Windemere 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 Windemere’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Windemere. 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.

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