🌍 ClimateRiskCheck

Natural Disaster Risk in Forbes

Minnesota

6.8out of 10
High Risk

Risk Summary for Forbes

Forbes scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Lightning Winter Weather

All 18 Hazard Scores

Cold Wave
9.9
Winter Weather
9.8
Lightning
9.8
Coastal Flooding
9.1
Extreme Heat
8.8
Hail
8.6
Wildfire
8.4
Strong Wind
7.5
Ice Storm
7.0
Tornado
6.9
Landslide
6.3
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.9
Avalanche
4.5
Hurricane
2.4
Earthquake
1.5
Riverine Flooding
1.0

How it compares

Forbes
6.8
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: Forbes, Minnesota

Forbes, in St. Louis County, is a small community of about 599 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 Forbes residents and property owners must navigate.

According to FEMA's National Risk Index, Forbes carries an overall risk score of 6.8/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to lightning and winter.

Within Minnesota, Forbes's risk is, considerably above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of St. Louis County identifies cold wave as the foremost hazard, followed by lightning and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Forbes residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Forbes: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • 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.

Local Factors for Forbes

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

Population

599

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.4/10

Coordinates

47.2734Β° N, 92.6583Β° W

St. Louis 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 Forbes

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Forbes

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.