Photo: Allmightyduck · CC BY-SA 3.0For strong wind, Lakeville’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Lakeville gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #151 of 274 in Minnesota. Most of that expected damage is river and rain flooding (66%), then strong wind (13%). Flood insurance has paid 3 claims here since 1984.
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 Lakeville 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
Strong wind
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 Lakeville’s grade
River and rain flooding is 66% of the building damage FEMA expects in Lakeville, and Lakeville’s rate of river and rain flooding damage is higher than 51% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 2% of U.S. census tracts.
B− #151 of 274 in Minnesota; lower expected damage per building than 54% of U.S. towns (21,298).
Lakeville’s residents live in 13 census tracts; FEMA’s figures are combined by where they live.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Lakeville has more expected damage per building than 55% of Minnesota towns.
In dollars, FEMA expects about $22.7M a year in losses across Lakeville: $16.2M to buildings, the rest to people and crops.
Does Lakeville flood? Rarely: 3 flood claims since 1984
Every paid claim on a federal flood insurance policy in Lakeville, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Lakeville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dakota County.2 federal disasters brought FEMA money to Lakeville
Disasters that paid out in Lakeville itself (aid to households or repair grants to the City of Lakeville), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$151K to the City of Lakeville for repairs
- 2000Severe Storms and Flooding$25K to the City of Lakeville for repairs
Dakota County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lakeville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lakeville archive →Lakeville and its neighbors
Lakeville is 5th of the 7 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 |
|---|---|---|---|
| Burnsville | A−less damage than 84% | river and rain flooding | 16 |
| Eureka Township | Bless damage than 64% | river and rain flooding | 4 |
| Apple Valley | Bless damage than 60% | river and rain flooding | 3 |
| Empire | B−less damage than 55% | river and rain flooding | 1 |
| Lakeville | B−less damage than 54% | river and rain flooding | 3 |
| Farmington | B−more damage than 53% | river and rain flooding | 2 |
| Credit River | B−more damage than 55% | river and rain flooding | — |
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 Lakeville 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Lakeville
Is Lakeville at risk for natural disasters?
On FEMA’s National Risk Index, Lakeville has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #151 of 274 in Minnesota. Most of the expected damage is river and rain flooding (66%) and strong wind (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lakeville flood?
Flood insurance has paid 3 claims in Lakeville since 1984, $15K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Lakeville 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 Dakota County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Lakeville?
FEMA’s Community Rating System list shows no discount for Lakeville’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 Lakeville?
By FEMA money that reached Lakeville, Severe Storms and Flooding (2012): $151K to the City of Lakeville for repairs.
Is Lakeville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Lakeville’s rate for it is higher than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lakeville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lakeville’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.