Photo: Appraiser at English Wikipedia · Public domainFEMA puts Maple Grove’s expected hazard damage per building below that of 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maple Grove gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns, #51 of 274 in Minnesota. Most of that expected damage is river and rain flooding (72%), then tornadoes (13%). Flood insurance has paid 3 claims here since 1979.
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 Maple Grove 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 Maple Grove’s grade
River and rain flooding is 72% of the building damage FEMA expects in Maple Grove, and Maple Grove’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Hail adds 12%, at a rate in the top 10% of U.S. census tracts.
A− #51 of 274 in Minnesota; lower expected damage per building than 77% of U.S. towns (21,298).
Maple Grove’s residents live in 16 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, Maple Grove has less expected damage per building than 82% of Minnesota towns.
In dollars, FEMA expects about $24.8M a year in losses across Maple Grove: $15.0M to buildings, the rest to people and crops.
Does Maple Grove flood? Rarely: 3 flood claims since 1979
Every paid claim on a federal flood insurance policy in Maple Grove, 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.
Maple Grove 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.2 federal disasters brought FEMA money to Maple Grove
Disasters that paid out in Maple Grove itself (aid to households or repair grants to the City of Maple Grove), newest first, with that year’s flood claims.
- 2016Severe Storms and Flooding51 households applied for aid$100K aid approved
- 2013Severe Storms, Straight-line Winds, and Flooding$119K to the City of Maple Grove 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 Maple Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maple Grove archive →Maple Grove and its neighbors
Maple Grove is 2nd of the 6 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 |
|---|---|---|---|
| Corcoran | A−less damage than 83% | river and rain flooding | — |
| Maple Grove | A−less damage than 77% | river and rain flooding | 3 |
| Plymouth | A−less damage than 75% | river and rain flooding | 9 |
| Osseo | B+less damage than 67% | river and rain flooding | — |
| Brooklyn Park | C+more damage than 64% | river and rain flooding | 10 |
| Dayton | Cmore damage than 71% | river and rain flooding | 4 |
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 Maple Grove 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 Maple Grove
Is Maple Grove at risk for natural disasters?
On FEMA’s National Risk Index, Maple Grove has lower expected damage per building than 77% of U.S. towns: A− for hazard risk, #51 of 274 in Minnesota. Most of the expected damage is river and rain flooding (72%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Maple Grove flood?
Flood insurance has paid 3 claims in Maple Grove since 1979, $24K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Maple Grove 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 Maple Grove?
FEMA’s Community Rating System list shows no discount for Maple Grove’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 Maple Grove?
By FEMA money that reached Maple Grove, Severe Storms, Straight-line Winds, and Flooding (2013): $119K to the City of Maple Grove for repairs.
Is Maple Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Maple Grove’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maple Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maple Grove’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.