🌍 ClimateRiskCheck

Natural Disaster Risk in Carlton County

Minnesota

4.9out of 10
Moderate Risk

Risk Summary for Carlton County

Carlton County scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Lightning Extreme Heat

All 18 Hazard Scores

Cold Wave
9.7
Lightning
7.0
Extreme Heat
6.6
Ice Storm
6.0
Winter Weather
5.4
Tsunami
5.4
Hail
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.8
Avalanche
4.5
Tornado
4.2
Drought
4.1
Strong Wind
3.3
Landslide
2.5
Hurricane
2.4
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Carlton County
4.9
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: Carlton County, Minnesota

Carlton County is located in the United States in Minnesota, home to roughly 36,175 residents. The county experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

FEMA rates Carlton County's composite natural disaster risk at 4.9 out of 10 β€” moderate risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for lightning and heat risk in their preparedness planning.

Carlton County'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 Carlton County, the highest-scoring are cold wave, lightning, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Carlton County 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 cold wave is recommended.

What this means for Carlton County: Cold Wave preparedness

  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.

Cities in Carlton County

ZIP codes in Carlton County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.