Natural Disaster Risk in Beaver Bay
Minnesota
Risk Summary for Beaver Bay
Beaver Bay scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Beaver Bay, Minnesota
Located in the northern tier of the continental United States in Lake County, Beaver Bay is a small unincorporated community. The continental climate that characterizes this part of Minnesota — marked by some of the harshest winters in the lower 48 and warm summers — directly influences the types and severity of natural hazards present, making Beaver Bay a community where hazard awareness has real practical value.
Beaver Bay's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include coastal flood and cold wave.
Relative to other U.S. communities, Beaver Bay's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by wind and coastal flood, as measured by FEMA across Lake County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Beaver Bay residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.
What this means for Beaver Bay: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Local Factors for Beaver Bay
These city-level factors differentiate Beaver Bay from other communities in Lake County and provide geographic context for its hazard exposure.
Population
128
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.7/10
Coordinates
47.2340° N, 91.3642° W
Lake County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Beaver Bay
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Beaver Bay
Other cities in Minnesota
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.