Natural hazards · Wolf Lake

Wolf Lake, MN natural hazards

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

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

Expected damage

How exposed is Wolf Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wolf Lake to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes8%Cold waves8%Everything else18%

By hazard

What Wolf Lake faces

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

Inland flooding

66% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 8 years in the area

Cold waves

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 16 times a year in the area

Lower here

HailIce 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 Wolf Lake flood?

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

of all homes
are insured

No community discount. Wolf 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: Becker County.

Disasters that hit Wolf Lake

Federal disasters declared here

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

Brought FEMA money into Wolf LakeDeclared for Becker County only

Becker County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Wolf Lake

Wolf Lake and the towns around it

Very lowLowModerateHighVery high

Wolf Lakemostly inland floodingModerate

Spruce Grovemostly inland floodingModerate

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