Lake of the Woods County, Minnesota
Natural disaster risk, federal disaster history and flood insurance facts.
Lake of the Woods County, Minnesota has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 96% of US counties. It ranks 85th of 87 counties in Minnesota. The costliest hazards here are inland flooding, cold waves and drought. FEMA estimates about $4.9 million a year in expected losses, or roughly $1,313 per resident. Since 1965 it has been included in 16 federal disaster or emergency declarations for natural events (15 major disasters). The most recent was in July 2023 (severe storms and flooding). Only 24 homes here carry federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Lake of the Woods County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Check local water restrictions.
- Choose drought-tolerant plants.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 17.7 | $4M | ||
| Cold wave | 16.7 | $330K | ||
| Drought | 49.1 | $255K | ||
| Wildfire | 55.4 | $121K | ||
| Winter weather | 24.7 | $43K | ||
| Tornado | 5.2 | $41K | ||
| Strong wind | 3.0 | $29K | ||
| Hail | 5.3 | $25K | ||
| Lightning | 1.8 | $11K | ||
| Heat wave | 5.2 | $11K | ||
| Earthquake | 0.3 | $672 | ||
| Ice storm | 0.7 | $640 | ||
| Landslide | 29.3 | $547 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very low and community resilience is very high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Lake of the Woods County. 2020s bar runs to November 2026.
By type
Most recent
Show all 16
Minnesota also had 26 statewide declarations that did not name single counties.
Storm history since 1961
Tornado risk by county ›The National Weather Service has logged 218 storm reports in Lake of the Woods County since 1961, with 0 deaths and 1 injury and about $1.3 million in reported damage. The strongest on record here was an F2 tornado on June 25, 1963.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Jun 25, 1963 | F2 | – | 0 / 0 |
| Aug 5, 2006 | F1 | Faunce | 0 / 0 |
| Sep 1, 1961 | F1 | – | 1 / 0 |
| Jun 8, 2020 | EF1 | Faunce | 0 / 0 |
| Jun 23, 2005 | F1 | Angle Inlet | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jul 22, 2013 | Thunderstorm Wind | Clementson | $500K |
| Jul 31, 2001 | Flash Flood | Graceton | $150K |
| Jul 31, 2001 | Tornado | Graceton | $100K |
| Jul 31, 2001 | Thunderstorm Wind | Baudette | $100K |
| Jul 31, 2001 | Thunderstorm Wind | Carp | $100K |
| Jul 18, 2001 | Thunderstorm Wind | Lude | $50K |
Source: NOAA Storm Events Database, county-based reports through Jul 6, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Lake of the Woods County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Lake of the Woods County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 3,497 housing units.
Compare in Minnesota
All 87 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Hennepin County | Inland flooding | |
| Ramsey County | Inland flooding | |
| Dakota County | Inland flooding | |
| Anoka County | Inland flooding | |
| Washington County | Inland flooding | |
| St. Louis County | Cold wave | |
| Olmsted County | Inland flooding | |
| Stearns County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Beltrami County | 19 | |
| Roseau County | 24 | |
| Koochiching County | 10 |
Common questions about Lake of the Woods County
What is the biggest natural hazard in Lake of the Woods County?
Inland flooding has the highest expected yearly losses in Lake of the Woods County, about $4.1 million a year in FEMA's estimate. Cold wave is second at $329,525.
How many federal disasters has Lake of the Woods County had?
Lake of the Woods County has been included in 16 federal disaster or emergency declarations for natural events since 1965, including 15 major disasters. The most recent was Severe Storms and Flooding in July 2023.
Is Lake of the Woods County a high-risk place to live?
Its overall rating is Very Low, 85th highest of 87 in Minnesota. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Lake of the Woods County?
Standard home insurance does not cover flooding. About 1 in 167 homes in Lake of the Woods County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Lake of the Woods County had?
NOAA records list 17 tornadoes in Lake of the Woods County since 1950. The strongest was an F2 tornado on June 25, 1963. The weather service has also logged 112 hail reports and 12 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.