FEMA puts Crosslake’s expected hazard damage per building above that of 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crosslake gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Crosslake faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Crosslake’s grade
River and rain flooding is 93% of the building damage FEMA expects in Crosslake, and Crosslake’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.
C− higher expected damage per building than 78% of U.S. towns (21,298).
Crosslake’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $3.0M a year in losses across Crosslake: $2.6M to buildings, the rest to people and crops.
Does Crosslake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crosslake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crosslake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Crow Wing County.1 federal disaster brought FEMA money to Crosslake
Disasters that paid out in Crosslake itself (aid to households or repair grants to the City of Crosslake), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, Tornadoes, and Flooding$16K to the City of Crosslake for repairs
Crow Wing County has had 9 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Crow Wing County, 2002–2002.
Old photos of Crosslake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crosslake archive →Crosslake and its neighbors
Crosslake is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Breezy Point | C+more damage than 62% | river and rain flooding | — |
| Ideal Township | Cmore damage than 66% | river and rain flooding | — |
| Crosslake | C−more damage than 78% | river and rain flooding | 0 |
| Fairfield Township | — | 264 residents; we grade 1,000+ | |
| Fifty Lakes | — | 478 residents; we grade 1,000+ | |
| Mission Township | — | 783 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Crosslake faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Crosslake
Is Crosslake at risk for natural disasters?
On FEMA’s National Risk Index, Crosslake has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crosslake in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Crow Wing County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Crosslake?
FEMA’s Community Rating System list shows no discount for Crosslake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Crosslake?
By FEMA money that reached Crosslake, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2022): $16K to the City of Crosslake for repairs.
Is Crosslake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Crosslake’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crosslake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crosslake’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.