🌍 ClimateRiskCheck

Natural Disaster Risk in Bowlus

Minnesota

5.6out of 10
Moderate Risk

Risk Summary for Bowlus

Bowlus scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Wildfire Hail

All 18 Hazard Scores

Lightning
9.0
Wildfire
8.1
Hail
7.9
Strong Wind
7.2
Landslide
6.5
Cold Wave
6.5
Drought
6.4
Tornado
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.9
Extreme Heat
4.5
Avalanche
4.5
Winter Weather
3.7
Hurricane
2.4
Earthquake
1.9
Riverine Flooding
1.0

How it compares

Bowlus
5.6
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Bowlus, Minnesota

Bowlus, in Morrison County, is a small community of about 1,393 situated in the northern tier of the continental United States. Its continental climate brings some of the harshest winters in the lower 48 and warm summers, and in particular severe blizzards and spring tornado outbreaks. These conditions collectively define the natural hazard environment that Bowlus residents and property owners must navigate.

According to FEMA's National Risk Index, Bowlus carries an overall risk score of 5.6/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to wildfire and hail.

Within Minnesota, Bowlus's risk is, near the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Morrison County identifies lightning as the foremost hazard, followed by wildfire and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Bowlus residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.

What this means for Bowlus: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Bowlus

These city-level factors differentiate Bowlus from other communities in Morrison County and provide geographic context for its hazard exposure.

Population

1,393

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.1/10

Coordinates

45.8114Β° N, 94.4319Β° W

Morrison 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 Bowlus

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Bowlus

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.