Pine County
Minnesota — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 62th
Pine County faces low composite natural disaster risk (NRI Risk Index score 62.2, 62th national percentile), driven primarily by cold wave and hail exposure. Expected annual loss across all 18 hazard types is $22M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | Medium | 11.26 / yr | $6M |
| Hail | Medium | 2.95 / yr | $721K |
| Lightning | Medium | 31.29 / yr | $510K |
| Riverine Flood | Low | 0.50 / yr | $12M |
| Wildfire | Low | 0.00 / yr | $120K |
| Tornado | Low | 0.41 / yr | $1M |
| Ice Storm | Low | 0.44 / yr | $73K |
| Heat Wave | Low | 1.84 / yr | $271K |
| Strong Wind | Low | 2.06 / yr | $399K |
| Drought | Low | 9.51 / yr | $63K |
| Winter Weather | Low | 18.58 / yr | $31K |
| Landslide | Very Low | 0.24 / yr | $37 |
| Earthquake | Very Low | 0.00 / yr | $3K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Hurricane | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Pine County?
Pine County has a composite FEMA National Risk Index score of 62.2 out of 100, placing it in the Low category and the 62th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Pine County?
The three highest-rated hazards are Cold Wave (Medium, $6M EAL), Hail (Medium, $721K EAL), Lightning (Medium, $510K EAL). These account for most of the county's expected annual losses.
How does Pine County compare to other Minnesota counties?
Pine County ranks #22 of 87 Minnesota counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Pine County's $22M EAL is a statistical average, not a guarantee for any specific year or address.