🌍 ClimateRiskCheck

Natural Disaster Risk in Motley

Minnesota

5.4out of 10
Moderate Risk

Risk Summary for Motley

Motley scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Landslide Winter Weather

All 18 Hazard Scores

Cold Wave
8.6
Landslide
8.3
Winter Weather
8.1
Wildfire
6.8
Strong Wind
6.6
Lightning
6.0
Extreme Heat
5.8
Tsunami
5.4
Drought
5.3
Volcanic Activity
5.1
Tornado
5.0
Coastal Flooding
4.9
Avalanche
4.5
Hail
4.2
Ice Storm
3.5
Hurricane
2.4
Earthquake
1.7
Riverine Flooding
1.0

How it compares

Motley
5.4
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Motley, Minnesota

Motley is a town of roughly 3,284 residents in Cass 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 Motley.

FEMA rates Motley's composite natural disaster risk at 5.4 out of 10 β€” moderate risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for landslide and winter risk in their preparedness planning.

Motley's risk score, near the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Cass County, the highest-scoring are cold wave, landslide, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Motley 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 cold wave is recommended.

What this means for Motley: 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 Motley

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

Population

3,284

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

46.4152Β° N, 94.6314Β° W

Cass 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 Motley

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Motley

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.