🌍 ClimateRiskCheck

Natural Disaster Risk in Houston

Minnesota

4.6out of 10
Moderate Risk

Risk Summary for Houston

Houston scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Cold Wave

All 18 Hazard Scores

Landslide
9.0
Hail
7.1
Cold Wave
6.9
Tsunami
5.4
Volcanic Activity
5.1
Tornado
4.9
Drought
4.9
Coastal Flooding
4.9
Avalanche
4.5
Extreme Heat
4.4
Hurricane
3.8
Winter Weather
3.8
Lightning
3.3
Ice Storm
3.1
Strong Wind
2.8
Wildfire
2.0
Earthquake
1.6
Riverine Flooding
1.0

How it compares

Houston
4.6
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: Houston, Minnesota

Located in the interior eastern United States in Houston County, Houston is a town of roughly 3,221 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 Houston a community where hazard awareness has real practical value.

FEMA rates Houston's composite natural disaster risk at 4.6 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for hail and cold wave risk in their preparedness planning.

Relative to other U.S. communities, Houston'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 landslide and hail, as measured by FEMA across Houston County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Houston 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 landslide is recommended.

What this means for Houston: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Houston

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

Population

3,221

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.8Β°

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: 2.0/10

Coordinates

43.7903Β° N, 91.5834Β° W

Houston 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 Houston

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Houston

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.