🌍 ClimateRiskCheck

Natural Disaster Risk in Garrison

Minnesota

6.0out of 10
High Risk

Risk Summary for Garrison

Garrison scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Strong Wind Wildfire

All 18 Hazard Scores

Cold Wave
9.2
Strong Wind
8.0
Wildfire
7.9
Hail
7.7
Lightning
7.5
Landslide
7.0
Tornado
6.6
Winter Weather
6.4
Extreme Heat
6.3
Ice Storm
5.8
Tsunami
5.4
Volcanic Activity
5.1
Drought
5.0
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
2.4
Earthquake
2.2
Riverine Flooding
1.0

How it compares

Garrison
6.0
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: Garrison, Minnesota

Located in the northern tier of the continental United States in Crow Wing County, Garrison is a small community of about 983. 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 Garrison a community where hazard awareness has real practical value.

FEMA rates Garrison's composite natural disaster risk at 6.0 out of 10 β€” high risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for wind and wildfire risk in their preparedness planning.

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

With a high natural disaster risk rating, Garrison 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 Garrison: Cold Wave preparedness

  • 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.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Local Factors for Garrison

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

Population

983

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.2Β°

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

46.2334Β° N, 93.8361Β° W

Crow Wing 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 Garrison

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Garrison

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.