Less hazard damage per building is expected in Deephaven than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Deephaven gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns, #91 of 274 in Minnesota. Most of that expected damage is river and rain flooding (72%), then tornadoes (14%). Flood insurance has paid 1 claim here since 2019.
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 Deephaven 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
Tornadoes
Hail
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 Deephaven’s grade
River and rain flooding is 72% of the building damage FEMA expects in Deephaven, and Deephaven’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Hail adds 11%, at a rate in the top 9% of U.S. census tracts.
B+ #91 of 274 in Minnesota; lower expected damage per building than 70% of U.S. towns (21,298).
All of Deephaven’s residents live in one census tract; the figures are that tract’s.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Deephaven has less expected damage per building than 67% of Minnesota towns.
In dollars, FEMA expects about $1.7M a year in losses across Deephaven: $1.1M to buildings, the rest to people and crops.
Does Deephaven flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in Deephaven, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Deephaven 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.1 federal disaster brought FEMA money to Deephaven
Disasters that paid out in Deephaven itself (aid to households or repair grants to the City of Deephaven), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$10K to the City of Deephaven for repairs
Hennepin County has had 14 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.
Old photos of Deephaven after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deephaven archive →Deephaven and its neighbors
Deephaven is 4th of the 4 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 |
|---|---|---|---|
| Wayzata | Aless damage than 86% | river and rain flooding | 10 |
| Minnetonka | A−less damage than 78% | river and rain flooding | 16 |
| Shorewood | B+less damage than 71% | river and rain flooding | 3 |
| Deephaven | B+less damage than 70% | river and rain flooding | 1 |
| Greenwood | — | 699 residents; we grade 1,000+ | |
| Woodland | — | 477 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 Deephaven 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Deephaven
Is Deephaven at risk for natural disasters?
On FEMA’s National Risk Index, Deephaven has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk, #91 of 274 in Minnesota. Most of the expected damage is river and rain flooding (72%) and tornadoes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Deephaven flood?
Flood insurance has paid 1 claim in Deephaven since 2019, $52K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Deephaven 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 Hennepin County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Deephaven?
FEMA’s Community Rating System list shows no discount for Deephaven’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 Deephaven?
By FEMA money that reached Deephaven, Severe Storms, Straight-line Winds, and Flooding (2013): $10K to the City of Deephaven for repairs.
Is Deephaven at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Deephaven’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Deephaven.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deephaven’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.