Olmsted County, Minnesota: hazard risk
FEMA rates Olmsted County's overall risk Relatively Moderate (score 82.3 of 100, higher than 82% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by cold wave. Its storm record holds 1,083 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 92.8 | $17M |
| Tornado | Relatively Moderate | 89.3 | $13M |
| Riverine Flooding | Relatively Moderate | 86.9 | $56M |
| Hail | Relatively Moderate | 83.4 | $2.1M |
| Winter Weather | Relatively Moderate | 83.3 | $474K |
| Strong Wind | Relatively Moderate | 70.1 | $1.9M |
| Landslide | Relatively Low | 74.1 | $17K |
| Heat Wave | Relatively Low | 72.5 | $2.0M |
| Ice Storm | Relatively Low | 57.2 | $227K |
| Drought | Relatively Low | 57.1 | $448K |
| Lightning | Relatively Low | 54.4 | $527K |
| Wildfire | Very Low | 20.5 | $15K |
| Earthquake | Very Low | 16.3 | $37K |
| 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. |
|---|---|---|---|---|---|
| Hail | 372 | 0 | $13M | 9th of 87 | 283rd of 3,080 |
| Severe thunderstorm wind | 315 | 1 | $7.3M | 7th of 87 | 977th of 3,080 |
| Winter storms | 140 | 7 | $1.6M | 35th of 87 | 653rd of 3,077 |
| Floods | 55 | 0 | $82M | 15th of 87 | 1253rd of 3,080 |
| Extreme cold | 40 | 4 | $46K | 28th of 87 | 364th of 3,076 |
| Tornadoes | 40 | 1 | $287M | 12th of 87 | 774th of 3,080 |
| Heavy rain | 27 | 0 | – | 7th of 87 | 429th of 3,080 |
| High wind and dust storms | 23 | 0 | $485K | 19th of 87 | 1220th of 3,080 |
| Lightning | 20 | 0 | $3.0M | 2nd of 87 | 226th of 3,080 |
| Heat | 15 | 2 | $30K | 29th of 87 | 926th of 3,076 |
| Drought | 13 | 0 | – | 30th of 87 | 1649th of 3,063 |
| Wildfires | 2 | 0 | – | 2nd of 87 | 699th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Olmsted County record: every hazard by year and month, the deadliest events and FEMA's declarations.