STATE RISK ROLL-UP

Minnesota

Across 87 counties, FEMA rates 2 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low79

Moderate6

Elevated2

High0

Dominant hazards

The hazards most often rated elevated or higher across Minnesota's counties:

Winter weather — 14 counties
Tornado — 5 counties
Drought — 3 counties
Extreme heat — 2 counties

Highest-risk counties

County	FEMA composite	Score
Hennepin County	Relatively High	98
Ramsey County	Relatively High	95
St. Louis County	Relatively Moderate	92
Dakota County	Relatively Moderate	90
Anoka County	Relatively Moderate	88
Stearns County	Relatively Moderate	88

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08