Pine County, Minnesota: hazard risk
FEMA rates Pine County's overall risk Relatively Low (score 62.2 of 100, higher than 62% of rated U.S. counties). Its storm record holds 534 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 Moderate | 88.8 | $6.0M |
| Hail | Relatively Moderate | 77.2 | $721K |
| Lightning | Relatively Moderate | 72.1 | $510K |
| Riverine Flooding | Relatively Low | 69.3 | $12M |
| Wildfire | Relatively Low | 65.8 | $120K |
| Tornado | Relatively Low | 52.0 | $1.3M |
| Ice Storm | Relatively Low | 47.5 | $73K |
| Heat Wave | Relatively Low | 44.5 | $271K |
| Strong Wind | Relatively Low | 40.3 | $399K |
| Drought | Relatively Low | 40.2 | $63K |
| Winter Weather | Relatively Low | 32.3 | $31K |
| Landslide | Very Low | 12.1 | $37 |
| Earthquake | Very Low | 3.0 | $3K |
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 | 191 | 0 | – | 77th of 87 | 2186th of 3,080 |
| Severe thunderstorm wind | 148 | 0 | $1.1M | 78th of 87 | 2543rd of 3,080 |
| Winter storms | 98 | 1 | – | 79th of 87 | 1993rd of 3,077 |
| Drought | 35 | 0 | – | 24th of 87 | 1489th of 3,063 |
| Floods | 23 | 0 | $2.4M | 79th of 87 | 2731st of 3,080 |
| Extreme cold | 21 | 0 | – | 87th of 87 | 1415th of 3,076 |
| Tornadoes | 13 | 0 | $643K | 82nd of 87 | 2506th of 3,080 |
| Heat | 2 | 0 | – | 76th of 87 | 2264th of 3,076 |
| Lightning | 2 | 1 | $6K | 56th of 87 | 2104th of 3,080 |
| Heavy rain | 1 | 0 | – | 63rd of 87 | 2307th 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 Pine County record: every hazard by year and month, the deadliest events and FEMA's declarations.