Natural Disaster Risk in Lake George
Minnesota
Risk Summary for Lake George
Lake George scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.
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: Lake George, Minnesota
Lake George is a small unincorporated community in Hubbard County, in the northern tier of the continental United States. The area experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Lake George.
According to FEMA's National Risk Index, Lake George carries an overall risk score of 5.0/10, placing it in the moderate category. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. The area also faces notable exposure to winter and drought.
Lake George's risk score, near the 5.2/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hubbard County, the highest-scoring are landslide, winter, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Lake George's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.
What this means for Lake George: Landslide preparedness
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
Local Factors for Lake George
These city-level factors differentiate Lake George from other communities in Hubbard County and provide geographic context for its hazard exposure.
Population
301
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: 7.1/10
Coordinates
47.1992° N, 94.9934° W
Hubbard 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 Lake George
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Lake George
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.