Natural Disaster Risk in Hill City
Minnesota
Risk Summary for Hill City
Hill City scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Hill City, Minnesota
Hill City is a small community of about 1,374 in Aitkin County, in the northern tier of the continental United States. The area experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Hill City.
According to FEMA's National Risk Index, Hill City carries an overall risk score of 4.8/10, placing it in the moderate category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to landslide and wildfire.
Hill City's risk score, slightly below 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 Aitkin County, the highest-scoring are cold wave, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Hill City's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that cold wave exposure is adequately protected is a worthwhile step for property owners.
What this means for Hill City: 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.
Local Factors for Hill City
These city-level factors differentiate Hill City from other communities in Aitkin County and provide geographic context for its hazard exposure.
Population
1,374
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 47.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.3/10
Coordinates
46.9937° N, 93.5969° W
Aitkin 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 Hill City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hill City
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.