🌍 ClimateRiskCheck

Natural Disaster Risk in Mountain Iron

Minnesota

6.8out of 10
High Risk

Risk Summary for Mountain Iron

Mountain Iron scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Lightning Winter Weather

All 18 Hazard Scores

Cold Wave
9.9
Winter Weather
9.8
Lightning
9.8
Coastal Flooding
9.1
Extreme Heat
8.8
Hail
8.6
Wildfire
8.4
Strong Wind
7.5
Ice Storm
7.0
Tornado
6.9
Landslide
6.3
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.9
Avalanche
4.5
Hurricane
2.4
Earthquake
1.5
Riverine Flooding
1.0

How it compares

Mountain Iron
6.8
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: Mountain Iron, Minnesota

Located in the northern tier of the continental United States in St. Louis County, Mountain Iron is a town of roughly 2,964 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 Mountain Iron a community where hazard awareness has real practical value.

FEMA rates Mountain Iron's composite natural disaster risk at 6.8 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 lightning and winter risk in their preparedness planning.

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

Mountain Iron's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Mountain Iron: 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 Mountain Iron

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

Population

2,964

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.4/10

Coordinates

47.5144Β° N, 92.6726Β° W

St. Louis 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 Mountain Iron

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Mountain Iron

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.