🌍 ClimateRiskCheck

Natural Disaster Risk in Stillwater

Minnesota

6.6out of 10
High Risk

Risk Summary for Stillwater

Stillwater scores 6.6/10 (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
9.8
Tornado
9.5
Hail
9.5
Lightning
9.0
Cold Wave
8.9
Extreme Heat
8.3
Winter Weather
8.0
Landslide
7.6
Ice Storm
7.1
Wildfire
6.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
2.4
Hurricane
2.4
Drought
2.4
Riverine Flooding
1.0

How it compares

Stillwater
6.6
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: Stillwater, Minnesota

Stillwater, in Washington County, is a city of approximately 36,277 residents situated in the northern tier of the continental United States. Its continental climate brings some of the harshest winters in the lower 48 and warm summers, and in particular severe blizzards and spring tornado outbreaks. These conditions collectively define the natural hazard environment that Stillwater residents and property owners must navigate.

According to FEMA's National Risk Index, Stillwater carries an overall risk score of 6.6/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to hail and tornado.

Within Minnesota, Stillwater's risk is, slightly above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Washington County identifies wind as the foremost hazard, followed by hail and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Stillwater 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 Stillwater: Strong Wind preparedness

  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • 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.

Local Factors for Stillwater

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

Population

36,277

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.9/10

Coordinates

45.0745Β° N, 92.8401Β° W

Washington 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 Stillwater

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Stillwater

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.