Natural Disaster Risk in Stearns County
Minnesota
7.0out of 10
Risk Summary for Stearns County
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Strong Wind Hail Tornado
All 18 Hazard Scores
Strong Wind 9.8
Hail 9.7
Tornado 9.4
Winter Weather 9.3
Lightning 8.8
Cold Wave 8.8
Wildfire 7.9
Extreme Heat 7.8
Ice Storm 7.7
Landslide 7.1
Drought 6.3
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Avalanche 4.5
Earthquake 3.4
Hurricane 2.4
Riverine Flooding 1.0
How it compares
Stearns County 7.0
Minnesota avg. 5.2
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Above-average risk — 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.
Cities in Stearns County
Saint Cloud7.0/10Sartell7.0/10Saint Joseph7.0/10Sauk Centre7.0/10Cold Spring7.0/10Waite Park7.0/10Melrose7.0/10Clearwater7.0/10Paynesville7.0/10Avon7.0/10Albany7.0/10Richmond7.0/10South Haven7.0/10Kimball7.0/10Holdingford7.0/10Belgrade7.0/10Freeport7.0/10Collegeville7.0/10Saint Stephen7.0/10Rockville7.0/10
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.