Beltrami County, Minnesota: hazard risk
FEMA rates Beltrami County's overall risk Relatively Low (score 60.6 of 100, higher than 60% of rated U.S. counties). Its storm record holds 1,020 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 84.5 | $247K |
| Cold Wave | Relatively Moderate | 80.1 | $3.4M |
| Strong Wind | Relatively Moderate | 52.9 | $565K |
| Wildfire | Relatively Low | 82.5 | $497K |
| Landslide | Relatively Low | 73.7 | $8K |
| Riverine Flooding | Relatively Low | 72.6 | $14M |
| Hail | Relatively Low | 60.8 | $364K |
| Drought | Relatively Low | 58.4 | $239K |
| Lightning | Relatively Low | 44.8 | $181K |
| Tornado | Relatively Low | 40.8 | $836K |
| Heat Wave | Relatively Low | 39.9 | $215K |
| Ice Storm | Very Low | 13.6 | $8K |
| Earthquake | Very Low | 6.2 | $6K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 312 | 0 | $3.2M | 79th of 87 | 2270th of 3,080 |
| Severe thunderstorm wind | 234 | 2 | $16M | 81st of 87 | 2565th of 3,080 |
| Winter storms | 190 | 0 | – | 84th of 87 | 2319th of 3,077 |
| Extreme cold | 136 | 0 | $67K | 80th of 87 | 906th of 3,076 |
| Drought | 61 | 0 | – | 36th of 87 | 1807th of 3,063 |
| Tornadoes | 44 | 0 | $4.3M | 77th of 87 | 2340th of 3,080 |
| Floods | 20 | 0 | $222K | 83rd of 87 | 2877th of 3,080 |
| High wind and dust storms | 12 | 0 | $9K | 79th of 87 | 2795th of 3,080 |
| Lightning | 3 | 0 | $40K | 63rd of 87 | 2161st of 3,080 |
| Heat | 2 | 0 | – | 84th of 87 | 2466th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Beltrami County record: every hazard by year and month, the deadliest events and FEMA's declarations.