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Overview of Trout LakePhoto: JeaLeone · CC BY-SA 4.0
B−Hazard risk
Natural hazards in Trout Lake Township · FEMA

On FEMA’s figures, Trout Lake Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Trout Lake Township gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (95%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 95%Tornadoes 2%Hail 2%

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

less than 55%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Minnesota · lower than 55% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 12 declared for Itasca County
By hazard

What Trout Lake Township 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

95%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 3 years in the area
Smaller shares here
 Tornadoes Hail Wildfire Winter storms Strong wind 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 45% of Trout Lake Township’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.
Hazard risk grade

What’s behind Trout Lake Township’s grade

River and rain flooding is 95% of the building damage FEMA expects in Trout Lake Township, and Trout Lake Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.

Where Trout Lake Township sits
Trout Lake Township
Least damageMiddleMost damage

B− lower expected damage per building than 55% of U.S. towns (21,298).

Trout Lake Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding95%Everything else5%

In dollars, FEMA expects about $671K a year in losses across Trout Lake Township: $280K to buildings, the rest to people and crops.

A small-area figure. Trout Lake Township covers 4 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Trout Lake Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Trout Lake Township. 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

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

Insurance rates: Itasca County.
Disasters

4 federal disasters brought FEMA money to Trout Lake Township

Disasters that paid out in Trout Lake Township itself (aid to households or repair grants to Trout Lake Township), newest first, with that year’s flood claims.

  1. 2022Severe Storms, Straight-line Winds, Tornadoes, and Flooding$8K to Trout Lake Township for repairs
  2. 2012Severe Storms and Flooding$7K to Trout Lake Township for repairs
  3. 2002Severe Storms, Flooding and Tornadoes$14K to Trout Lake Township for repairs
  4. 1999Severe Storms, Winds, and Flooding$19K to Trout Lake Township for repairs
Disasters declared, by decade
Paid out in Trout Lake TownshipItasca County only

Itasca County has had 12 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.

Were you here?

Old photos of Trout Lake Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Trout Lake Township archive →
Next door

Trout Lake Township and its neighbors

Trout Lake Township is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Coleraine: hazard risk A−Blackberry Township: not gradedBovey: not gradedTaconite: not gradedFeeley Township: not gradedColeraineBlackberry TownshipBoveyTaconiteFeeley TownshipTrout Lake Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
ColeraineA−less damage than 80%river and rain flooding—
Trout Lake TownshipB−less damage than 55%river and rain flooding0
Blackberry Township—849 residents; we grade 1,000+
Bovey—646 residents; we grade 1,000+
Taconite—468 residents; we grade 1,000+
Feeley Township—346 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 Trout Lake Township 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 ↗
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 Trout Lake Township

Is Trout Lake Township at risk for natural disasters?

On FEMA’s National Risk Index, Trout Lake Township has lower expected damage per building than 55% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Trout Lake Township 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 Itasca County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Trout Lake Township?

FEMA’s Community Rating System list shows no discount for Trout Lake Township’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 Trout Lake Township?

By FEMA money that reached Trout Lake Township, Severe Storms, Winds, and Flooding (1999): $19K to Trout Lake Township for repairs.

Is Trout Lake Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Trout Lake Township’s rate for it is higher than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Trout Lake Township.

Town Square →
Start the conversation

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