Photo: Myotus · CC BY 4.0On FEMA’s figures, Spring Lake Park faces less hazard damage per building than 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Lake Park gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #34 of 274 in Minnesota. Most of that expected damage is river and rain flooding (70%), then strong wind (12%). 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 Spring Lake Park 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
Hail
Tornadoes
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 Spring Lake Park’s grade
River and rain flooding is 70% of the building damage FEMA expects in Spring Lake Park, and Spring Lake Park’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Strong wind adds 12%, at a rate in the top 4% of U.S. census tracts.
A− #34 of 274 in Minnesota; lower expected damage per building than 80% of U.S. towns (21,298).
Spring Lake Park’s residents live in 3 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, Spring Lake Park has less expected damage per building than 88% of Minnesota towns.
In dollars, FEMA expects about $1.6M a year in losses across Spring Lake Park: $1.1M to buildings, the rest to people and crops.
Does Spring Lake Park flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in Spring Lake Park, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Spring Lake Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anoka County.The storms Spring Lake Park remembers
None of the 9 disasters declared for Anoka County shows FEMA aid or repair money reaching Spring Lake Park itself in FEMA’s records, so these are its biggest flood-claim years.
- 20191 flood claims paidNo declaration for the county that year
Anoka County has had 9 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Anoka County, 2000–2000.
Old photos of Spring Lake Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Lake Park archive →Spring Lake Park and its neighbors
Spring Lake Park has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Spring Lake Park | A−less damage than 80% | river and rain flooding | 1 |
| Fridley | B−less damage than 53% | river and rain flooding | 11 |
| Mounds View | Cmore damage than 72% | river and rain flooding | 1 |
| Blaine | Cmore damage than 74% | river and rain flooding | 3 |
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 Spring Lake Park 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.
- 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.
- 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.
- 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 Spring Lake Park
Is Spring Lake Park at risk for natural disasters?
On FEMA’s National Risk Index, Spring Lake Park has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #34 of 274 in Minnesota. Most of the expected damage is river and rain flooding (70%) and strong wind (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Lake Park flood?
Flood insurance has paid 1 claim in Spring Lake Park since 2019, $728 in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Spring Lake Park 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 Anoka County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Spring Lake Park?
FEMA’s Community Rating System list shows no discount for Spring Lake Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Spring Lake Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Spring Lake Park’s rate for it is lower than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Lake Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Lake Park’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.