FEMA rates relative cold wave risk for Stearns County as relatively high and reports FEMA annualized frequency of 3.034 per year for the area.
FEMA summary
FEMA's profile for Stearns County reports FEMA annualized frequency of 3.034 per year for cold wave. FEMA's relative risk rating for the area is relatively high; the annualized frequency is a separate measure.
Hazard metrics cover FEMA county-equivalent geographies rather than individual addresses or parcels. Use local or state hazard maps before making a property, insurance, retrofit, or evacuation decision.
Select a hazard to inspect FEMA's figures for Stearns County.
Cold Wave
FEMA combines its area-wide loss estimate and community data in this relative rating. Event frequency appears separately below.
Relative FEMA score
95.7/100
Occurrence thresholds vary by hazard. The FEMA methodology defines the value for each hazard.
The area loss estimate combines FEMA's modeled losses to buildings, population, and agriculture across Stearns County. It is not an estimate for a home or address.
City risk summary
For St. Cloud, FEMA rates cold wave risk for Stearns County as relatively high, with a relative score of 95.7/100. The next highest relative scores are winter weather at 95.2/100 and lightning at 94.9/100.
Using FEMA data for Stearns County, St. Cloud is #6 among 7 covered Minnesota entries for cold wave risk. Brooklyn Park is about 49 straight-line miles from the St. Cloud map point; its FEMA figures cover Hennepin County.
For homeowners and movers
Preparedness actions
Living in St. Cloud? Learn how to handle water storage, sanitation, and security in a small space.
The map shows St. Cloud. All FEMA figures on this page cover Stearns County.
The FEMA figures cover Stearns County. Address-level conditions require local maps, building records, and property details.
FEMA rates relative cold wave risk for Stearns County as relatively high. Its FEMA annualized frequency is 3.034 per year. Damage at a specific address also depends on the building, soil, elevation, and exact hazard zone.
Among 7 Minnesota cities covered by this directory, St. Cloud is #6 for relative cold wave risk based on FEMA's score for Stearns County. Homes within St. Cloud can have different soil, elevation, construction, and hazard-zone conditions.
In FEMA's data for Stearns County, the highest relative ratings are Cold Wave (Relatively High), Winter Weather (Relatively High), and Lightning (Relatively High). FEMA uses estimated losses and community data along with event frequency when assigning these ratings.
The hazard numbers cover Stearns County. For an individual home, check local fault, flood, fire, evacuation, and building records for the exact address.
FEMA gives Stearns County an overall relative risk rating of relatively low. Conditions at a specific home depend on its hazard zones, building type, maintenance, insurance, and access to evacuation routes and emergency services.
Start with this step: Confirm the exact hazard using official local maps before making property or insurance decisions. Know how local officials issue warnings and evacuation instructions. Use Ready.gov Be Informed and local emergency guidance for a complete plan.
Distances are measured between city coordinates.
| City | Distance | Cold Wave rating | Relative score |
|---|---|---|---|
| Brooklyn Park, MN | 49 mi | Very High | 99.8 |
| Minneapolis, MN | 59 mi | Very High | 99.8 |
| Bloomington, MN | 64 mi | Very High | 99.8 |
| St. Paul, MN | 66 mi | Very High | 99.0 |
Limited to products tagged for cold wave or general preparedness.
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View productHazard metrics come from FEMA National Risk Index v1.19.0 (March 2023). City population and coordinates come from SimpleMaps US Cities Database. For current conditions, use official local maps, warnings, inspections, and professional advice.