Cook County, Minnesota: hazard risk
FEMA rates Cook County's overall risk Very Low (score 11.2 of 100, higher than 11% of rated U.S. counties). Its storm record holds 559 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 |
|---|---|---|---|
| Lightning | Relatively Moderate | 76.3 | $543K |
| Wildfire | Relatively Low | 79.6 | $343K |
| Cold Wave | Relatively Low | 61.8 | $1.3M |
| Winter Weather | Relatively Low | 52.6 | $61K |
| Landslide | Very Low | 38.5 | $513 |
| Drought | Very Low | 22.1 | $6K |
| Riverine Flooding | Very Low | 19.8 | $2.1M |
| Coastal Flooding | Very Low | 14.4 | $0 |
| Ice Storm | Very Low | 11.8 | $6K |
| Strong Wind | Very Low | 9.8 | $61K |
| Heat Wave | Very Low | 8.2 | $11K |
| Hail | Very Low | 3.1 | $5K |
| Tornado | Very Low | 2.9 | $6K |
| Earthquake | No Rating | 0.0 | $0 |
| Hurricane | No Rating | 0.0 | $0 |
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. |
|---|---|---|---|---|---|
| Winter storms | 258 | 0 | $6K | 67th of 87 | 1304th of 3,077 |
| Extreme cold | 114 | 0 | – | 59th of 87 | 600th of 3,076 |
| Drought | 77 | 0 | – | 22nd of 87 | 1407th of 3,063 |
| Severe thunderstorm wind | 33 | 1 | – | 87th of 87 | 2796th of 3,080 |
| Hail | 25 | 0 | – | 87th of 87 | 2782nd of 3,080 |
| Floods | 21 | 0 | $1.5M | 78th of 87 | 2692nd of 3,080 |
| High wind and dust storms | 17 | 1 | $123K | 70th of 87 | 2322nd of 3,080 |
| Wildfires | 5 | 0 | – | 1st of 87 | 644th of 2,972 |
| Tornadoes | 4 | 0 | – | 86th of 87 | 2760th of 3,080 |
| Lightning | 3 | 1 | $20K | 44th of 87 | 1887th of 3,080 |
| Rip currents and high surf | 1 | 1 | – | 3rd of 87 | 241st of 2,080 |
| Heavy rain | 1 | 0 | – | 64th of 87 | 2311th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cook County record: every hazard by year and month, the deadliest events and FEMA's declarations.