Norman County, Minnesota: hazard risk
FEMA rates Norman County's overall risk Very Low (score 14.4 of 100, higher than 14% of rated U.S. counties). Its storm record holds 640 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 76.7 | $713K |
| Winter Weather | Relatively Moderate | 66.8 | $109K |
| Hail | Relatively Low | 70.0 | $518K |
| Cold Wave | Relatively Low | 60.7 | $1.4M |
| Ice Storm | Relatively Low | 55.2 | $101K |
| Strong Wind | Relatively Low | 37.6 | $358K |
| Wildfire | Very Low | 47.0 | $37K |
| Landslide | Very Low | 27.4 | $230 |
| Tornado | Very Low | 23.1 | $292K |
| Riverine Flooding | Very Low | 17.6 | $2.0M |
| Heat Wave | Very Low | 12.4 | $25K |
| Lightning | Very Low | 5.2 | $16K |
| Earthquake | Very Low | 2.4 | $2K |
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 | 171 | 0 | $15M | 41st of 87 | 763rd of 3,077 |
| Hail | 153 | 0 | $4.0M | 61st of 87 | 1586th of 3,080 |
| Severe thunderstorm wind | 132 | 0 | $2.5M | 58th of 87 | 2278th of 3,080 |
| Extreme cold | 73 | 0 | $34K | 8th of 87 | 227th of 3,076 |
| Floods | 31 | 0 | $142M | 42nd of 87 | 1999th of 3,080 |
| Tornadoes | 30 | 3 | $115M | 45th of 87 | 1570th of 3,080 |
| High wind and dust storms | 29 | 0 | $207K | 22nd of 87 | 1332nd of 3,080 |
| Drought | 12 | 0 | – | 38th of 87 | 1851st of 3,063 |
| Heat | 3 | 0 | – | 66th of 87 | 2047th 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 Norman County record: every hazard by year and month, the deadliest events and FEMA's declarations.