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Pine River DepotPhoto: McGhiever · CC BY-SA 4.0
–Not graded
Natural hazards in Pine River · FEMA

Storms, floods and disasters in Pine River

Pine River isn’t graded for hazard risk: Pine River has 906 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 10 declared for Cass County
By hazard

What Pine River 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

90%of expected building damage
Above average · higher than 69% of U.S. census tracts
Recorded about once every 7 years in the area

Tornadoes

6%of expected building damage
Above average · higher than 62% of U.S. census tracts
Recorded about once every 9 years in the area
Smaller shares here
 Strong wind Wildfire Winter storms Hail Ice storms Lightning Earthquakes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 29% of Pine River’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Pine River flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Pine River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Pine River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cass County.
Disasters

The storms Pine River remembers

None of the 10 disasters declared for Cass County shows FEMA aid or repair money reaching Pine River itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Pine RiverCass County only

Cass County has had 10 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.

Next door

Pine River and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Barclay Township: not gradedWilson Township: not gradedPine River Township: hazard risk AWalden Township: not gradedChickamaw Beach: not gradedBarclay TownshipWilson TownshipPine River TownshipWalden TownshipChickamaw BeachPine River
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Pine River TownshipAless damage than 86%river and rain flooding—
Barclay Township—569 residents; we grade 1,000+
Wilson Township—542 residents; we grade 1,000+
Walden Township—432 residents; we grade 1,000+
Chickamaw Beach—248 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.

Be ready

Get ready for what Pine River faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Pine River

Is Pine River 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 Cass County, 0.0% of all homes carry federal flood insurance.

How much is flood insurance in Pine River?

FEMA’s Community Rating System list shows no discount for Pine River’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Pine River.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine River’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.