Natural Disaster Risk in Silver Bay
Minnesota
Risk Summary for Silver Bay
Silver 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: Silver Bay, Minnesota
Silver Bay is a small community of about 2,485 in Lake 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 Silver Bay.
FEMA rates Silver Bay's composite natural disaster risk at 5.1 out of 10 — moderate risk. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Residents should also account for coastal flood and cold wave risk in their preparedness planning.
Silver Bay's risk score, near the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Lake County, the highest-scoring are wind, coastal flood, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Silver 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 Silver Bay: Strong Wind preparedness
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
- 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.
Local Factors for Silver Bay
These city-level factors differentiate Silver Bay from other communities in Lake County and provide geographic context for its hazard exposure.
Population
2,485
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.4°
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
47.3641° N, 91.4039° 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 Silver Bay
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Silver 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.