🌍 ClimateRiskCheck

Natural Disaster Risk in Gaylord

Minnesota

4.7out of 10
Moderate Risk

Risk Summary for Gaylord

Gaylord scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hail Drought

All 18 Hazard Scores

Strong Wind
7.9
Hail
7.3
Drought
6.6
Cold Wave
6.0
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Winter Weather
4.9
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Extreme Heat
4.4
Wildfire
2.5
Hurricane
2.4
Lightning
1.8
Earthquake
1.7
Riverine Flooding
1.0

How it compares

Gaylord
4.7
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: Gaylord, Minnesota

Located in the interior eastern United States in Sibley County, Gaylord is a town of roughly 2,727 residents. 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 Gaylord a community where hazard awareness has real practical value.

FEMA rates Gaylord's composite natural disaster risk at 4.7 out of 10 β€” moderate risk. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. Residents should also account for hail and drought risk in their preparedness planning.

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

With a moderate risk rating, Gaylord 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 wind is recommended.

What this means for Gaylord: 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 Gaylord

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

Population

2,727

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.5/10

Coordinates

44.5358Β° N, 94.2077Β° W

Sibley 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 Gaylord

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gaylord

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.