FEMA expects less hazard damage per building in Maple Lake than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maple Lake gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (13%). 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 Maple Lake 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
Strong wind
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 Lake’s grade
River and rain flooding is 66% of the building damage FEMA expects in Maple Lake, and Maple Lake’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Strong wind adds 11%, at a rate in the top 3% of U.S. census tracts.
B+ lower expected damage per building than 70% of U.S. towns (21,298).
Maple Lake’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $774K a year in losses across Maple Lake: $610K to buildings, the rest to people and crops.
Does Maple Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Maple Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Maple Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wright County.1 federal disaster brought FEMA money to Maple Lake
Disasters that paid out in Maple Lake itself (aid to households or repair grants to the City of Maple Lake), newest first, with that year’s flood claims.
- 2002Severe Storms, Flooding and Tornadoes$4K to the City of Maple Lake for repairs
Wright 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 Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maple Lake archive →Maple Lake and its neighbors
Maple Lake has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Maple Lake | B+less damage than 70% | river and rain flooding | 0 |
| Albion Township | C+more damage than 63% | river and rain flooding | — |
| Corinna Township | Cmore damage than 70% | river and rain flooding | — |
| Maple Lake Township | — | not graded yet | |
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 Lake 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Lake
Is Maple Lake at risk for natural disasters?
On FEMA’s National Risk Index, Maple Lake has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Maple Lake 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 Wright County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Maple Lake?
FEMA’s Community Rating System list shows no discount for Maple Lake’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 Lake?
By FEMA money that reached Maple Lake, Severe Storms, Flooding and Tornadoes (2002): $4K to the City of Maple Lake for repairs.
Is Maple Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Maple Lake’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maple Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maple Lake’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.