🌍 ClimateRiskCheck

Natural Disaster Risk in Elrosa

Minnesota

7.0out of 10
High Risk

Risk Summary for Elrosa

Elrosa scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hail Tornado

All 18 Hazard Scores

Strong Wind
9.8
Hail
9.7
Tornado
9.4
Winter Weather
9.3
Lightning
8.8
Cold Wave
8.8
Wildfire
7.9
Extreme Heat
7.8
Ice Storm
7.7
Landslide
7.1
Drought
6.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
3.4
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Elrosa
7.0
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Elrosa, Minnesota

Located in the northern tier of the continental United States in Stearns County, Elrosa is a small unincorporated community. The continental climate that characterizes this part of Minnesota β€” marked by some of the harshest winters in the lower 48 and warm summers β€” directly influences the types and severity of natural hazards present, making Elrosa a community where hazard awareness has real practical value.

Elrosa's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include hail and tornado.

Relative to other U.S. communities, Elrosa's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.2/10 state average. The hazard distribution here is led by wind and hail, as measured by FEMA across Stearns County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Elrosa's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Elrosa: Strong Wind preparedness

  • 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.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.

Local Factors for Elrosa

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

Population

217

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.9/10

Coordinates

45.5630Β° N, 94.9473Β° W

Stearns 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 Elrosa

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elrosa

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.