🌍 ClimateRiskCheck

Natural Disaster Risk in Nerstrand

Minnesota

6.1out of 10
High Risk

Risk Summary for Nerstrand

Nerstrand scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hail Tornado

All 18 Hazard Scores

Strong Wind
9.7
Hail
9.5
Tornado
9.1
Cold Wave
8.2
Winter Weather
7.7
Landslide
7.3
Ice Storm
6.0
Drought
5.9
Extreme Heat
5.8
Tsunami
5.4
Volcanic Activity
5.1
Lightning
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.1
Earthquake
2.4
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Nerstrand
6.1
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: Nerstrand, Minnesota

Nerstrand is a small community of about 995 in Rice County, in the interior eastern 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 Nerstrand.

According to FEMA's National Risk Index, Nerstrand carries an overall risk score of 6.1/10, placing it in the high category. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. The area also faces notable exposure to hail and tornado.

Nerstrand's risk score, slightly above 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 Rice County, the highest-scoring are wind, hail, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Nerstrand residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Nerstrand: Strong Wind preparedness

  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • 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.

Local Factors for Nerstrand

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

Population

995

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.3Β°

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: 4.1/10

Coordinates

44.3496Β° N, 93.0658Β° W

Rice 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 Nerstrand

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Nerstrand

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.