Ramsey County, Minnesota: hazard risk
FEMA rates Ramsey County's overall risk Relatively High (score 94.6 of 100, higher than 94% of rated U.S. counties); 8 of its 13 hazards are rated Relatively High or Very High, led by cold wave, hail, tornado. Its storm record holds 629 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 | Very High | 99.1 | $43M |
| Hail | Relatively High | 99.0 | $12M |
| Tornado | Relatively High | 98.7 | $36M |
| Landslide | Relatively High | 98.5 | $980K |
| Heat Wave | Relatively High | 98.2 | $17M |
| Riverine Flooding | Relatively High | 93.8 | $69M |
| Winter Weather | Relatively High | 92.2 | $532K |
| Strong Wind | Relatively High | 90.8 | $2.4M |
| Lightning | Relatively Moderate | 73.1 | $610K |
| Ice Storm | Relatively Moderate | 65.3 | $189K |
| Wildfire | Very Low | 52.6 | $60K |
| Earthquake | Very Low | 28.9 | $73K |
| Drought | Very Low | 12.8 | $11 |
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 | 252 | 0 | $10M | 1st of 87 | 6th of 3,080 |
| Severe thunderstorm wind | 174 | 0 | $39M | 1st of 87 | 40th of 3,080 |
| Winter storms | 108 | 1 | – | 1st of 87 | 46th of 3,077 |
| Floods | 25 | 1 | $6.6M | 1st of 87 | 399th of 3,080 |
| Extreme cold | 21 | 5 | – | 2nd of 87 | 90th of 3,076 |
| Heat | 15 | 0 | – | 1st of 87 | 292nd of 3,076 |
| High wind and dust storms | 12 | 0 | $27K | 4th of 87 | 486th of 3,080 |
| Heavy rain | 9 | 2 | – | 1st of 87 | 164th of 3,080 |
| Tornadoes | 8 | 1 | $660M | 5th of 87 | 518th of 3,080 |
| Lightning | 3 | 1 | – | 5th of 87 | 373rd 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 Ramsey County record: every hazard by year and month, the deadliest events and FEMA's declarations.