Property Atlas

County hazard profile

Stearns, MN

Minnesota · pop. 158,160 · FIPS 27145

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$79M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Stearns $79M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 87.56/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively Low 24.14/100
national median ~50 among the lowest nationally
Community resilienceVery High 96.18/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Stearns

The National Flood Insurance Program has paid 111 flood-insurance claims totaling $1.1M in Stearns since 1979. The costliest year was 2009 ($238K paid).

Flood-insurance dollars paid by year of loss

1979: $427 paid 1982: $0 paid 1983: $8,948 paid 1984: $88,195 paid 1986: $43,277 paid 1993: $2,022 paid 1994: $0 paid 1995: $0 paid 1997: $133,825 paid 2001: $203,017 paid 2002: $3,096 paid 2005: $1,201 paid 2007: $0 paid 2009: $237,522 paid 2011: $42,610 paid 2013: $417 paid 2014: $35,905 paid 2015: $4,038 paid 2018: $5,906 paid 2019: $80,233 paid 2022: $160,683 paid 2023: $30,927 paid 2009 · $238K 1979 2023
$1.1M
total paid
$9,750
average claim
$226K
largest single claim
53%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Stearns, MN and where it ranks among U.S. counties. It is not a verdict on whether Stearns is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.