Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Minnesota
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Minnesota ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Dakota County | $779 | Relatively Moderate | $362,100 |
| 2 | Becker County | $815 | Very Low | $266,900 |
| 3 | Ramsey County | $828 | Relatively High | $304,900 |
| 4 | Hennepin County | $854 | Relatively High | $376,500 |
| 5 | Wadena County | $872 | Very Low | $170,500 |
| 6 | Sherburne County | $882 | Relatively Low | $332,700 |
| 7 | Washington County | $896 | Relatively Moderate | $400,900 |
| 8 | Douglas County | $933 | Relatively Low | $291,700 |
| 9 | Anoka County | $936 | Relatively Moderate | $325,800 |
| 10 | Clearwater County | $946 | Very Low | $177,100 |
| 11 | Isanti County | $964 | Very Low | $283,200 |
| 12 | Wright County | $971 | Relatively Low | $332,800 |
| 13 | Kandiyohi County | $1,012 | Relatively Low | $230,500 |
| 14 | Carver County | $1,030 | Relatively Low | $426,900 |
| 15 | Mille Lacs County | $1,049 | Very Low | $237,500 |
| 16 | Todd County | $1,064 | Very Low | $188,400 |
| 17 | Chisago County | $1,068 | Relatively Low | $326,600 |
| 18 | Cass County | $1,090 | Relatively Low | $262,300 |
| 19 | Benton County | $1,099 | Relatively Low | $247,100 |
| 20 | Beltrami County | $1,125 | Relatively Low | $222,300 |
| 21 | McLeod County | $1,164 | Relatively Low | $233,400 |
| 22 | Waseca County | $1,194 | Very Low | $213,200 |
| 23 | Dodge County | $1,218 | Very Low | $267,500 |
| 24 | Le Sueur County | $1,222 | Very Low | $287,700 |
| 25 | Blue Earth County | $1,223 | Relatively Low | $252,800 |
| 26 | Scott County | $1,226 | Relatively Low | $393,500 |
| 27 | Mahnomen County | $1,256 | Very Low | $146,500 |
| 28 | Hubbard County | $1,260 | Very Low | $255,900 |
| 29 | Stearns County | $1,294 | Relatively Moderate | $256,500 |
| 30 | St. Louis County | $1,303 | Relatively Moderate | $208,500 |
| 31 | Meeker County | $1,306 | Very Low | $228,900 |
| 32 | Kanabec County | $1,316 | Very Low | $221,100 |
| 33 | Freeborn County | $1,333 | Relatively Low | $164,900 |
| 34 | Goodhue County | $1,336 | Relatively Low | $269,400 |
| 35 | Crow Wing County | $1,372 | Relatively Low | $274,400 |
| 36 | Nicollet County | $1,392 | Relatively Low | $258,500 |
| 37 | Olmsted County | $1,404 | Relatively Moderate | $304,500 |
| 38 | Steele County | $1,443 | Very Low | $234,200 |
| 39 | Martin County | $1,480 | Relatively Low | $158,800 |
| 40 | Otter Tail County | $1,496 | Relatively Low | $252,500 |
| 41 | Winona County | $1,505 | Relatively Low | $222,900 |
| 42 | Koochiching County | $1,533 | Very Low | $143,700 |
| 43 | Rice County | $1,570 | Relatively Low | $298,500 |
| 44 | Clay County | $1,618 | Relatively Low | $256,000 |
| 45 | Grant County | $1,650 | Very Low | $178,600 |
| 46 | Cook County | $1,652 | Very Low | $294,000 |
| 47 | Pope County | $1,669 | Very Low | $242,800 |
| 48 | Rock County | $1,672 | Very Low | $201,600 |
| 49 | Stevens County | $1,677 | Very Low | $180,800 |
| 50 | Itasca County | $1,695 | Relatively Low | $212,000 |
| 51 | Mower County | $1,730 | Relatively Low | $172,000 |
| 52 | Houston County | $1,732 | Very Low | $226,300 |
| 53 | Nobles County | $1,733 | Relatively Low | $179,200 |
| 54 | Wilkin County | $1,758 | Very Low | $172,300 |
| 55 | Pine County | $1,808 | Relatively Low | $225,600 |
| 56 | Watonwan County | $1,849 | Very Low | $151,600 |
| 57 | Cottonwood County | $1,871 | Very Low | $154,000 |
| 58 | Redwood County | $1,872 | Very Low | $150,400 |
| 59 | Wabasha County | $1,920 | Relatively Low | $245,800 |
| 60 | Swift County | $1,936 | Very Low | $147,100 |
| 61 | Pipestone County | $1,953 | Very Low | $126,700 |
| 62 | Chippewa County | $1,964 | Very Low | $149,000 |
| 63 | Fillmore County | $1,973 | Relatively Low | $204,000 |
| 64 | Renville County | $1,990 | Very Low | $151,900 |
| 65 | Big Stone County | $2,005 | Very Low | $135,700 |
| 66 | Murray County | $2,014 | Very Low | $179,400 |
| 67 | Red Lake County | $2,029 | Very Low | $157,200 |
| 68 | Norman County | $2,066 | Very Low | $135,700 |
| 69 | Lyon County | $2,088 | Relatively Low | $193,100 |
| 70 | Faribault County | $2,091 | Relatively Low | $120,200 |
| 71 | Morrison County | $2,137 | Relatively Low | $237,000 |
| 72 | Lake County | $2,142 | Very Low | $222,900 |
| 73 | Polk County | $2,161 | Relatively Low | $211,100 |
| 74 | Jackson County | $2,218 | Very Low | $145,400 |
| 75 | Aitkin County | $2,231 | Relatively Low | $235,100 |
| 76 | Brown County | $2,233 | Relatively Low | $181,700 |
| 77 | Carlton County | $2,268 | Relatively Low | $232,000 |
| 78 | Sibley County | $2,292 | Very Low | $215,000 |
| 79 | Lac qui Parle County | $2,439 | Very Low | $143,400 |
| 80 | Marshall County | $2,466 | Very Low | $153,300 |
| 81 | Traverse County | $2,509 | Very Low | $110,100 |
| 82 | Roseau County | $2,597 | Relatively Low | $177,100 |
| 83 | Yellow Medicine County | $2,623 | Very Low | $148,200 |
| 84 | Pennington County | $2,891 | Relatively Low | $188,900 |
| 85 | Lincoln County | $2,916 | Very Low | $152,200 |
| 86 | Lake of the Woods County | $2,958 | Very Low | $215,000 |
| 87 | Kittson County | $3,145 | Very Low | $134,400 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Minnesota