Summary
Plan status as of 2026-09-30: Expired on 2025-05-05. Plan: St. Louis County (FEMA plan 106429), approved 2020-05-06.
Since the plan was approved on 2020-05-06: 4 new hazard declarations (4 incidents) and 565 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Cold Wave ($50,630,840 a year), Inland Flooding ($49,768,466) and Lightning ($2,903,081).
The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.
Plan clock
- Status:
- Expired on 2025-05-05
- Plan:
- St. Louis County (FEMA plan 106429)
- Approved:
- 2020-05-06
- Days since expiry:
- 513
- Update underway:
- none recorded in FEMA's plan tracker
Until a new plan is approved, FEMA mitigation project grants (HMGP, FMA) need a FEMA exception (44 CFR 201.6(a)(3)).
What changed since your last plan (approved 2020-05-06)
- New federal declarations:
- 4 new hazard declarations (4 incidents): DR-4659-MN (Severe Storms, Straight-Line Winds, and Flooding), DR-4722-MN (Severe Storms and Flooding), DR-4797-MN (Severe Storms and Flooding), FM-5583-MN (Munger Shaw Fire)
- Storm Events records since approval:
- 565 records (data through 2026-06-30)
- Repetitive loss now:
- FMA RL 0, SRL 0 (44 CFR 77.2); any definition: 10
- Repeat-flood change:
- this release sets the baseline count.
Sources: 1, 2, 4, 6 (numbered list at the end)
Plan status for every jurisdiction listed in this county: 28 rows, in the section "Plan clock: Plan status for every jurisdiction listed in this county" on the following pages.
State plan status and tribal plans in this state: see the state page.
Plan clock
Plan status for every jurisdiction listed in this county
Source: 1
| Jurisdiction | Type | Status | Plan | Approved | Expires | Days to expirynegative = days since expiry | Notes |
|---|---|---|---|---|---|---|---|
| St. Louis County | County | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | |
| Aurora city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Babbitt city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Biwabik city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-10-01 |
| Brookston city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-10-01 |
| Buhl city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-10-01 |
| Chisholm city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-09-04 |
| Cook city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-10-01 |
| Duluth city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Ely city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Eveleth city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Floodwood city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-10-07 |
| Gilbert city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Hermantown city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Hibbing city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Hoyt Lakes city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Iron Junction city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Kinney city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Leonidas city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | |
| McKinley city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Meadowlands city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | |
| Mountain Iron city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Orr city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-09-04 |
| Proctor city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Rice Lake city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-09-04 |
| Tower city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-09-04 |
| Virginia city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
| Winton city | City | Expired on 2025-05-05 | St. Louis County (FEMA plan 106429) | 2020-05-06 | 2025-05-05 | -513 | this jurisdiction approved 2020-07-28 |
Supports FEMA checklist item B1-a: hazard identification
Hazards NRI does not cover (local data needed)
- dam failure (incl. upstream dams)
- levee failure
- flash flood as its own subtype
- ice jams
- debris flows
- erosion (riverine and coastal)
- land subsidence and sinkholes
- expansive soils
The 18 National Risk Index hazards, ranked by expected annual loss (EAL)
Sources: 5, 6
| Rank by EAL | Hazard | NRI risk rating | EAL rating | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL total (see note)modeled dollars per year | Storm Events records, 1996 to 2026-06-30count | Why this hazard can be left outNRI Not Applicable, no declaration and no Storm Events record since 1996 | Storm Events coverage note |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cold Wave | Very High | Very High | $11,468 | $52,235 | $50,567,137 | $50,630,840 | 100 | Includes 2 Frost/Freeze records (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor). | |
| 2 | Inland Flooding | Relatively Moderate | Relatively Moderate | $49,633,621 | $35 | $134,810 | $49,768,466 | 113 | ||
| 3 | Lightning | Very High | Very High | $101,136 | n/a | $2,801,945 | $2,903,081 | 26 | ||
| 4 | Heat Wave | Relatively Moderate | Relatively Moderate | $787 | under $1 | $2,434,242 | $2,435,029 | 4 | ||
| 5 | Tornado | Relatively Low | Relatively Moderate | $949,535 | $166 | $1,280,093 | $2,229,793 | 12 | ||
| 6 | Winter Weather | Very High | Very High | $527,399 | $97 | $867,574 | $1,395,071 | 241 | Includes 1 Sleet record (outside NRI's Winter Weather definition). | |
| 7 | Hail | Relatively Moderate | Relatively Moderate | $1,101,593 | $3,133 | $78,291 | $1,183,017 | 450 | ||
| 8 | Strong Wind | Relatively Moderate | Relatively Moderate | $27,982 | $4,233 | $1,047,466 | $1,079,681 | 533 | Includes 12 High Wind and 9 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition). | |
| 9 | Wildfire | Relatively Low | Relatively Low | $488,245 | $26 | $23,701 | $511,971 | 5 | ||
| 10 | Ice Storm | Relatively Moderate | Relatively Moderate | $138,341 | n/a | $29,757 | $168,098 | 14 | ||
| 11 | Drought | Relatively Low | Relatively Low | n/a | $88,863 | n/a | $88,863 | 67 | ||
| 12 | Coastal Flooding | Very Low | Very Low | $8,000 | n/a | $677 | $8,678 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). | |
| 13 | Earthquake | Very Low | Very Low | $2,799 | n/a | $571 | $3,370 | Storm Events does not record earthquakes. | ||
| 14 | Landslide | Very Low | Very Low | $2,026 | n/a | $390 | $2,416 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). | |
| Hurricane | Not Applicable | Not Applicable | 0 | NRI rates hurricane Not Applicable for this county, and no counted federal declaration for this county names it (EM-3242-MN names it but is not counted as a local occurrence; see B1-d). | No recorded events in Storm Events since 1996 (data through 2026-06-30). | |||||
| Tsunami | Insufficient Data | Insufficient Data | n/a | n/a | n/a | n/a | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).
NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.
Local data needed: state and local landslide and tsunami records (Storm Events records these hazards only in part).
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche and volcanic activity. That is the evidence for leaving them out of the plan.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b: hazard location
Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.
Coastal Flooding and Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
Hazards that vary within the county: highest-rated census tracts
Source: 5
| Hazard | Highest-rated census tractsNRI risk rating, score 0 to 100 |
|---|---|
| Earthquake | tract 3.02 (Very Low, 3.7); tract 124 (Very Low, 2.4); tract 121 (Very Low, 1.7) |
| Hurricane | no tract has a National Risk Index rating for this hazard |
| Landslide | tract 155.02 (Relatively Low, 92.5); tract 155.03 (Relatively Low, 89.2); tract 155.01 (Relatively Low, 88.4) |
| Tornado | tract 121 (Relatively Low, 53.3); tract 124 (Relatively Low, 52.9); tract 3.02 (Relatively Low, 51.3) |
| Tsunami | no tract has a National Risk Index rating for this hazard |
| Wildfire | tract 154.01 (Relatively Moderate, 96.0); tract 155.01 (Relatively Moderate, 94.9); tract 155.02 (Relatively Moderate, 94.8) |
Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 3.02 is Census Tract 3.02). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Supports FEMA checklist item B1-c: hazard extent
Extent: scale, observed range and worst recorded event per hazard
Sources: 6, 7
| Hazard | Scale | Recordscount and years | Observed range | Worst recorded event | Most damaging (when different) | How it applies to jurisdictions | Note |
|---|---|---|---|---|---|---|---|
| Coastal Flood, Storm Surge/Tide | none in data (flood depth: FIRM) | 0 | Flood depth: see the FEMA Flood Insurance Rate Map. | ||||
| Cold/Wind Chill, Extreme Cold/Wind Chill | wind chill | 98 records, 1996 to 2026 (98 zone-level) | 1 day to 6 days (median 2 days); 66 with a recorded value | 6 consecutive days, 2013-12-28 to 2014-01-02, 1 direct death, zone-level | Countywide (zone-level records). | ||
| Frost/Freeze (outside NRI's Cold Wave definition) | crop damage | 2 records, 2011 (2 zone-level) | No crop damage reported in 2 records. | Countywide (zone-level records). | |||
| Drought | U.S. Drought Monitor scale (D0 to D4) | 67 records, 2006 to 2026 (67 zone-level) | 21 days to 456 days (median 167 days); 11 with a recorded value | 456 days (about 15.0 months), 2006-07-18 to 2007-10-16, a run of 17 consecutive Storm Events drought records, zone-level | Countywide (zone-level records). | Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only. | |
| Earthquake | Modified Mercalli (local data) | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | ||||
| Hail | hail size (inches) | 525 records, 1958 to 2026 | 0.75 in to 4.5 in (median 1 in); 525 with a recorded value | 4.5 in hail, 1989-08-03 | Hail, 1998-08-23, $50,000,000 property; crops not reported (1998 dollars) | Event records naming jurisdictions in the plan: Duluth city (47 records), Hibbing city (16 records), Hermantown city (12 records), Chisholm city (11 records), Floodwood city (11 records), Orr city (7 records), Cook city (6 records), Proctor city (6 records), Mountain Iron city (5 records), Virginia city (5 records); and 13 more jurisdictions (see the Excel file). | |
| Excessive Heat, Heat | heat index (in event narratives) | 4 records, 2001 to 2021 (4 zone-level) | 1 day to 5 days (median 1.5 days); 4 with a recorded value | 5 consecutive days, 2011-07-16 to 2011-07-20, zone-level | Countywide (zone-level records). | ||
| Hurricane, Tropical Storm, Tropical Depression | Saffir-Simpson | 0 | Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records. | ||||
| Ice Storm | Sperry-Piltz ice scale (local data) | 14 records, 1997 to 2025 (14 zone-level) | Ice Storm, 2001-04-22, $4,200,000 property; crops not reported (2001 dollars); NWS zone MNZ037 | Countywide (zone-level records). | |||
| Flash Flood, Flood, Lakeshore Flood | damage and flood days (flood depth: FIRM) | 113 records, 1996 to 2025 (9 zone-level) | Lakeshore Flood, 2018-10-09, $18,400,000 property; $0 crops (2018 dollars); NWS zone MNZ037 | Event records naming jurisdictions in the plan: Duluth city (12 records), Cook city (9 records), Hibbing city (7 records), Ely city (4 records), Floodwood city (3 records), Hermantown city (3 records), Winton city (3 records), Chisholm city (2 records), Virginia city (2 records), Brookston city (1 record); and 2 more jurisdictions (see the Excel file). Zone-level records (9) apply countywide. | Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most. | ||
| Debris Flow | none (count and damage only) | 0 | |||||
| Lightning | annualized frequency (the measure FEMA's Local Mitigation Planning Handbook names) | 26 records, 1996 to 2025 | Lightning, 2012-08-18, $0 property; $0 crops (2012 dollars), 1 direct death, 4 direct injuries | Lightning, 1998-07-14, $400,000 property; crops not reported (1998 dollars) | Event records naming jurisdictions in the plan: Duluth city (6 records), Hibbing city (2 records), Ely city (1 record), Mountain Iron city (1 record), Orr city (1 record), Virginia city (1 record), Winton city (1 record). | Storm Events lists lightning with damage or casualties. | |
| High Wind and Strong Wind (outside NRI's Strong Wind definition) | wind speed (kt and mph) | 21 records, 1998 to 2023 (21 zone-level) | 28 kt (32 mph) to 64 kt (74 mph) (median 51 kt (59 mph)); 19 with a recorded value | 64 kt (74 mph) measured gust, High Wind, 2019-10-21; NWS zone MNZ037 | Strong Wind, 2022-11-10, $800,000 property; $0 crops (zone total, 2022 dollars) | Countywide (zone-level records). | |
| Thunderstorm Wind | wind speed (kt and mph) | 647 records, 1955 to 2026 | 26 kt (30 mph) to 93 kt (107 mph) (median 52 kt (60 mph)); 557 with a recorded value | 93 kt (107 mph) estimated gust, Thunderstorm Wind, 2023-09-05 | Thunderstorm Wind, 1999-07-04, $80,000 property; crops not reported (1999 dollars) | Event records naming jurisdictions in the plan: Duluth city (24 records), Floodwood city (21 records), Hibbing city (20 records), Ely city (14 records), Cook city (11 records), Virginia city (10 records), Babbitt city (9 records), Hermantown city (9 records), Orr city (8 records), Aurora city (7 records); and 12 more jurisdictions (see the Excel file). | |
| Tornado | Enhanced Fujita (Fujita before Feb 2007) | 43 records, 1953 to 2026 | F/EF0 to F/EF3 (median F/EF1); 43 with a recorded value | F3 tornado, 1969-08-06, 18.4 mi path length (whole path, pre-1996), 2,933 yd wide, $2,500,000 property; crops not recorded (1969 dollars), 20 direct injuries | Event records naming jurisdictions in the plan: Orr city (1 record). | Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods). | |
| Tsunami | none (count and damage only) | 0 | |||||
| Wildfire | acres burned (local data) | 5 records, 2007 to 2026 (5 zone-level) | Wildfire, 2025-05-12, $13,000,000 property; $0 crops (2025 dollars); NWS zone MNZ019 | Countywide (zone-level records). | |||
| Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | none in data (snowfall: local data) | 241 records, 1996 to 2026 (241 zone-level) | Winter Storm, 2018-04-15, $9,000,000 property; $0 crops (2018 dollars); NWS zone MNZ037 | Countywide (zone-level records). |
Where a hazard names more than 10 jurisdictions, the table lists the 10 with the most records; every one is in the Excel file, sheet "B1-c Extent".
In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow, lightning and tsunami.
Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).
Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.
Supports FEMA checklist item B1-d: previous occurrences
Federal declarations for this county: 17 declarations covering 14 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).
Federal disaster declarations for this county
Sources: 1, 2, 3
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard | County Public Assistancefederal share obligated, nominal dollars | Flags | Notes |
|---|---|---|---|---|---|---|---|---|
| 2025-05-14 | 2025-05-12 | FM-5583-MN | Fire management | Munger Shaw Fire | Wildfire | no Public Assistance recorded | new since last plan; within last 5 years | |
| 2024-06-28 | 2024-06-16 | DR-4797-MN | Major disaster | Severe Storms and Flooding | Inland Flooding | $5,628,712.45 | new since last plan; within last 5 years | |
| 2023-07-19 | 2023-04-11 | DR-4722-MN | Major disaster | Severe Storms and Flooding | Inland Flooding | $1,998,359.62 | new since last plan; within last 5 years | |
| 2022-07-13 | 2022-04-22 | DR-4659-MN | Major disaster | Severe Storms, Straight-Line Winds, and Flooding | Inland Flooding (primary); also designated: Strong Wind | $1,410,627.17 | new since last plan; within last 5 years | |
| 2020-04-07 | 2020-01-20 | DR-4531-MN | Major disaster | COVID-19 Pandemic | Non-natural, not counted | $1,206,973.75 | in the 12 months before plan approval | |
| 2020-03-13 | 2020-01-20 | EM-3453-MN | Emergency | COVID-19 | Non-natural, not counted | no Public Assistance recorded | in the 12 months before plan approval | same incident as DR-4531 |
| 2019-02-01 | 2018-10-09 | DR-4414-MN | Major disaster | Severe Storms and Flooding | Inland Flooding | $9,450,975.56 | ||
| 2018-09-05 | 2018-06-15 | DR-4390-MN | Major disaster | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | Inland Flooding (primary); also designated: Strong Wind, Tornado | $563,929.56 | ||
| 2012-07-06 | 2012-06-14 | DR-4069-MN | Major disaster | Severe Storms and Flooding | Inland Flooding | $18,536,523.11 | ||
| 2005-09-13 | 2005-08-29 | EM-3242-MN | Emergency | Hurricane Katrina Evacuation | Hurricane: evacuation support, not a local hazard event; not counted | no Public Assistance recorded | ||
| 2001-05-16 | 2001-03-23 | DR-1370-MN | Major disaster | Severe Winter Storms, Flooding, and Tornadoes | Inland Flooding (primary); also designated: Ice Storm, Tornado, Winter Weather | $522,879.39 | ||
| 1999-07-28 | 1999-07-04 | DR-1283-MN | Major disaster | Severe Storms, Winds, and Flooding | Inland Flooding | $3,096,472.35 | ||
| 1997-04-08 | 1997-03-21 | DR-1175-MN | Major disaster | Severe Flooding, High Winds,Severe Storms | Inland Flooding (primary); also designated: Strong Wind | no Public Assistance recorded | ||
| 1995-08-18 | 1995-07-09 | DR-1064-MN | Major disaster | Severe Thunderstorms, Winds, Flooding, Tornadoes, and Heat | Inland Flooding; Tornado | no Public Assistance recorded | ||
| 1976-06-17 | 1976-06-17 | EM-3013-MN | Emergency | Drought | Drought | no Public Assistance recorded | ||
| 1972-08-25 | 1972-08-25 | DR-350-MN | Major disaster | Severe Storms & Flooding | Inland Flooding | no Public Assistance recorded | ||
| 1970-07-22 | 1970-07-22 | DR-291-MN | Major disaster | Heavy Rains & Flooding | Inland Flooding | no Public Assistance recorded |
County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.
Statewide declarations
Source: 2
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard |
|---|---|---|---|---|---|
| 1957-06-22 | 1957-06-22 | DR-80-MN | Major disaster | Floods | Inland Flooding |
FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.
7 Fire Management declarations (1976-09-08 to 1976-10-01) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.
Public Assistance not placed in any Minnesota county: 14 rows, $9,133,931.59; listed on the Minnesota state page.
Source: 3
Previous occurrences by hazard, with explicit no-event rows
Sources: 2, 6, 7
| Hazard | Storm Events records, all years on file(years in the Period column) | Since plan approvalrecords | In the 12 months before plan approvalrecords | Last 5 yearsrecords | Declared incidents, all yearsseparate disasters | Declared since approvalseparate disasters | Period | Statement |
|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Cold Wave | 100 | 36 | 2 | 27 | 0 | 0 | 1996 to 2026-06-30 | Includes 2 Frost/Freeze records. |
| Drought | 67 | 29 | 0 | 24 | 1 | 0 | 1996 to 2026-06-30 | |
| Earthquake | 0 | 0 | 0 | 0 | 0 | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | |
| Hail | 525 | 161 | 5 | 105 | 0 | 0 | 1955 to 2026-06-30 | |
| Heat Wave | 4 | 1 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Hurricane | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Ice Storm | 14 | 3 | 0 | 3 | 1 | 0 | 1996 to 2026-06-30 | |
| Inland Flooding | 113 | 56 | 3 | 55 | 12 | 3 | 1996 to 2026-06-30 | |
| Landslide | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Lightning | 26 | 6 | 0 | 3 | 0 | 0 | 1996 to 2026-06-30 | |
| Strong Wind | 668 | 192 | 15 | 148 | 3 | 1 | 1955 to 2026-06-30 | Includes 12 High Wind and 9 Strong Wind records. |
| Tornado | 43 | 4 | 3 | 4 | 3 | 0 | 1950 to 2026-06-30 | |
| Tsunami | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Wildfire | 5 | 4 | 0 | 4 | 1 | 1 | 1996 to 2026-06-30 | |
| Winter Weather | 241 | 73 | 12 | 66 | 1 | 0 | 1996 to 2026-06-30 | Includes 1 Sleet record. |
Notable Storm Events records
Sources: 1, 6, 7
| Date | Event type | Magnitude or extent | Damagenominal dollars | Deaths, injuriesdirect only | Location | Flags | Why listed |
|---|---|---|---|---|---|---|---|
| 2025-05-12 | Wildfire | $13,000,000 property; $0 crops (zone total, 2025 dollars) | 0, 0 | NWS zone MNZ019 (CENTRAL ST. LOUIS), zone-level | new since last plan; within last 5 years | B1-c worst recorded: Wildfire | |
| 2023-09-05 | Thunderstorm Wind | 93 kt (107 mph) estimated gust | $10,000 property; $0 crops (2023 dollars) | 0, 0 | POLO | new since last plan; within last 5 years | B1-c worst recorded: Thunderstorm Wind |
| 2019-10-21 | High Wind | 64 kt (74 mph) measured gust | $0 property; $0 crops (zone total, 2019 dollars) | 0, 0 | NWS zone MNZ037 (SOUTHERN ST. LOUIS / CARLTON), zone-level | in the 12 months before plan approval | B1-c worst recorded: High Wind and Strong Wind |
| 2018-10-09 | Lakeshore Flood | $18,400,000 property; $0 crops (zone total, 2018 dollars) | 0, 0 | NWS zone MNZ037 (SOUTHERN ST. LOUIS / CARLTON), zone-level | B1-c worst recorded: Flash Flood, Flood, Lakeshore Flood | ||
| 2018-04-15 | Winter Storm | $9,000,000 property; $0 crops (zone total, 2018 dollars) | 0, 0 | NWS zone MNZ037 (SOUTHERN ST. LOUIS / CARLTON), zone-level | B1-c worst recorded: Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | ||
| 2013-12-28 | Cold/Wind Chill | damage not reported | 0, 0 | NWS zone MNZ011 (NORTHERN ST. LOUIS), zone-level | B1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill | ||
| 2012-08-18 | Lightning | $0 property; $0 crops (2012 dollars) | 1, 4 | DULUTH SKY HARBOR APT | deaths or injuries recorded | ||
| 2011-07-16 | Heat | $0 property; $0 crops (zone total, 2011 dollars) | 0, 0 | NWS zone MNZ020 (SOUTHERN LAKE), zone-level | B1-c worst recorded: Excessive Heat, Heat | ||
| 2001-08-07 | Heat | damage not reported | 5, 0 | NWS zone MNZ037 (SOUTHERN ST. LOUIS / CARLTON), zone-level | deaths or injuries recorded | ||
| 1989-08-03 | Hail | 4.5 in | damage not recorded (pre-1996 record) | 0, 3 | location not recorded | B1-c worst recorded: Hail | |
| 1969-08-06 | Tornado | F3, 5.7 mi path length (whole path, pre-1996), 117 yd wide | $250,000 property; crops not recorded (1969 dollars) | 2, 3 | location not recorded | deaths or injuries recorded | |
| 1969-08-06 | Tornado | F3, 18.4 mi path length (whole path, pre-1996), 2,933 yd wide | $2,500,000 property; crops not recorded (1969 dollars) | 0, 20 | location not recorded | B1-c worst recorded: Tornado |
The full list is in the Excel file, sheet "B1-d Storm Events history" (1,806 rows).
Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.
Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).
Tribal and special-area declarations in this state are listed on the state page.
Supports FEMA checklist item B1-e: probability of future events
Probability: FEMA annualized frequency and descriptor per hazard
Sources: 5, 6
| Hazard | FEMA annualized frequency (modeled)unit per row | Unit | In plain terms | Descriptor | Descriptor basis | NRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional) | NRI period | Location | Note |
|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 0.0128 | events per year at a location (modeled) | about 0.013 per year at a given location in the county | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |
| Cold Wave | 14.9 | event-days per year | about 14.9 days per year | Likely | Storm Events event-days in 22 of 30 years, 1996 to 2025 (73.3%) | 280 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Drought | 12.7 | event-days per year | about 12.7 days per year | Likely | Storm Events event-days in 13 of 30 years, 1996 to 2025 (43.3%) | 476 | 2000 to 2025 (25.25 years; D3 and D4 only) | countywide | |
| Earthquake | 0.000075 | annual probability at a location | chance a given location in the county has at least minor-damage shaking in a year: 0.0075% | not shown | modeled | see B1-f | No descriptor (Storm Events does not record earthquakes). | ||
| Hail | 0.934 | events per year | about 0.93 per year | Likely | FEMA annualized frequency (modeled) | 34.9 (modeled) | 1986 to 2023 (38 years) | countywide | |
| Heat Wave | 0.337 | event-days per year | about 0.337 days per year | Likely | Storm Events event-days in 4 of 30 years, 1996 to 2025 (13.3%) | 7.15 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Hurricane | events per year | 1851 to 2024 (Atlantic) | see B1-f | Not Applicable in NRI for this county; no descriptor. | |||||
| Ice Storm | 0.156 | event-days per year | about 0.156 days per year | Likely | Storm Events event-days in 9 of 30 years, 1996 to 2025 (30%) | 11 | 1946-12-31 to 2014-02-12 (67 years) | countywide | |
| Inland Flooding | 1.46 | event-days per year | about 1.46 days per year | Likely | Storm Events event-days in 19 of 30 years, 1996 to 2025 (63.3%) | 41 | 1996 to 2023 (28 years) | see B1-f | |
| Landslide | 2.39 | events per year (modeled) | about 2.39 per year | Highly likely | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | |
| Lightning | 27.2 | days per year with a strike | about 27.2 days per year | Highly likely | FEMA annualized frequency (modeled) | not shown | 1995 to 2023 (29 years; CONUS) | countywide | |
| Strong Wind | 0.714 | events per year | about 0.71 per year | Likely | FEMA annualized frequency (modeled) | 27 | 1986 to 2023 (38 years) | countywide | |
| Tornado | 0.394 | events per year | about 1 in 3 years | Likely | FEMA annualized frequency (modeled) | not shown | 1950 to 2023 (EF2+); 1986 to 2023 (EF0-1) | see B1-f | |
| Tsunami | annual probability at the most exposed location (used in place of a county value) | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |||
| Wildfire | 0.000435 | annual probability at a location | chance a given location in the county burns in a year: 0.0435% | Possible | Storm Events records in 2 of 30 years, 1996 to 2025 (6.67%) | not shown | modeled | see B1-f | |
| Winter Weather | 17.6 | event-days per year | about 17.6 days per year | Highly likely | Storm Events event-days in 30 of 30 years, 1996 to 2025 (100%) | 329 | 2005-11-12 to 2024-11-12 (19 years) | countywide |
FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.
Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.
Descriptor scale used in this packet (defined per unit)
Sources: 5, 6
| Unit | Descriptor | Definition |
|---|---|---|
| events per year | Highly likely | 1 or more per year |
| events per year | Likely | about once in 1 to 10 years |
| events per year | Possible | about once in 10 to 100 years |
| events per year | Unlikely | less than once in 100 years |
| annual probability | Likely | 10% to under 100% chance in a given year |
| annual probability | Possible | 1% to under 10% chance in a given year |
| annual probability | Unlikely | under 1% chance in a given year |
| event-days (share of years) | Highly likely | event-days recorded in 90% or more of years |
| event-days (share of years) | Likely | event-days recorded in 10% to under 90% of years |
| event-days (share of years) | Possible | event-days recorded in some years but under 10% of years |
| lightning strike-days | Highly likely | cloud-to-ground strikes on 1 or more days per year |
Intensity bands: historical frequency (Storm Events)
Source: 6
| Hazard | Band | Years | Eventscounty-coded records | Years in period | Events per yearevents / years |
|---|---|---|---|---|---|
| Hail | 1.00-1.99 in | 1996 to 2025 | 235 | 30 | 7.83 |
| Hail | 2.00 in+ | 1996 to 2025 | 30 | 30 | 1 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 50-64 kt | 1996 to 2025 | 464 | 30 | 15.5 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 65 kt+ | 1996 to 2025 | 32 | 30 | 1.07 |
| Thunderstorm Wind (counted as NRI Strong Wind) | unmeasured or below 50 kt | 1996 to 2025 | 1 | 30 | 0.0333 |
| Tornado | EF0-1 | 1996 to 2025 | 11 | 30 | 0.367 |
| Tornado | EF2-3 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | EF4-5 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | unrated (EFU) | 1996 to 2025 | 0 | 30 | 0 |
The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).
Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.
Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).
Supports FEMA checklist item B1-f: hazards that vary across jurisdictions
Range of census tract risk within the county
Source: 5
| Hazard | Tractsrated of all | NRI risk score, 0 to 100 | Tracts by rating | ||
|---|---|---|---|---|---|
| Min | Median | Max | |||
| Coastal Flooding | 16 of 74 | 69.7 | 73.1 | 80.0 | Relatively Low 6, Very Low 10, No Rating 58 |
| Cold Wave | 34 of 74 | 16.1 | 99.6 | 99.9 | Very High 31, Relatively High 1, Relatively Low 1, Very Low 1, No Rating 40 |
| Drought | 23 of 74 | 70.5 | 81.5 | 90.6 | Relatively Low 12, Very Low 11, No Rating 51 |
| Earthquake | 29 of 74 | 0.3 | 0.6 | 3.7 | Very Low 29, No Rating 45 |
| Hail | 74 of 74 | 26.0 | 61.1 | 82.0 | Relatively Moderate 21, Relatively Low 49, Very Low 4 |
| Heat Wave | 34 of 74 | 1.7 | 71.7 | 90.6 | Relatively High 4, Relatively Moderate 25, Relatively Low 2, Very Low 3, No Rating 40 |
| Hurricane | 0 of 74 | Not Applicable 74 | |||
| Ice Storm | 74 of 74 | 1.9 | 21.5 | 68.7 | Relatively Low 22, Very Low 52 |
| Inland Flooding | 74 of 74 | 1.7 | 51.5 | 89.5 | Relatively High 9, Relatively Moderate 31, Relatively Low 22, Very Low 12 |
| Landslide | 74 of 74 | 10.2 | 47.5 | 92.5 | Relatively Low 4, Very Low 70 |
| Lightning | 74 of 74 | 39.8 | 83.5 | 97.4 | Very High 4, Relatively High 43, Relatively Moderate 24, Relatively Low 3 |
| Strong Wind | 74 of 74 | 16.5 | 43.5 | 69.0 | Relatively Moderate 16, Relatively Low 55, Very Low 3 |
| Tornado | 74 of 74 | 9.0 | 35.3 | 53.3 | Relatively Low 54, Very Low 20 |
| Tsunami | 0 of 74 | Not Applicable 62, Insufficient Data 12 | |||
| Wildfire | 69 of 74 | 19.9 | 56.6 | 96.0 | Relatively Moderate 5, Relatively Low 17, Very Low 47, No Rating 5 |
| Winter Weather | 34 of 74 | 11.0 | 97.6 | 99.6 | Very High 28, Relatively High 3, Relatively Moderate 1, Relatively Low 1, Very Low 1, No Rating 40 |
Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.
Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.
The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.
Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).
Each jurisdiction (starting figures from federal data)
Sources: 1, 3, 4, 6
| Jurisdiction | Type | Plan status | Repetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definition | Public Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollars | Event records naming this placeall years; since its plan | Notes |
|---|---|---|---|---|---|---|
| St. Louis County | County | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 3 | $1,028,143.97 | 0 total; 0 since its plan | Includes $481,249.08 for declarations not counted as hazard incidents (DR-4531-MN). |
| Aurora city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $249,369.46 | 11 total; 6 since its plan | |
| Babbitt city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $54,063.30 | 13 total; 4 since its plan | |
| Biwabik city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $303,504.82 | 10 total; 2 since its plan | |
| Brookston city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $9,350.51 | 8 total; 2 since its plan | |
| Buhl city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $31,460.25 | 6 total; 2 since its plan | |
| Chisholm city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $298,549.52 | 18 total; 12 since its plan | |
| Cook city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $105,052.13 | 26 total; 9 since its plan | |
| Duluth city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 3 | $11,022,526.99 | 89 total; 8 since its plan | Includes $660,430.77 for declarations not counted as hazard incidents (DR-4531-MN). |
| Ely city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $27,832.93 | 22 total; 8 since its plan | |
| Eveleth city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $100,717.37 | 12 total; 2 since its plan | |
| Floodwood city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 2 | $88,353.74 | 35 total; 13 since its plan | |
| Gilbert city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $68,985.75 | 7 total; 2 since its plan | |
| Hermantown city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $314,500.89 | 24 total; 1 since its plan | |
| Hibbing city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $604,330.06 | 45 total; 13 since its plan | |
| Hoyt Lakes city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $82,349.42 | 5 total; 1 since its plan | |
| Iron Junction city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $28,854.08 | 2 total; 0 since its plan | |
| Kinney city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $9,112.82 | 1 total; 1 since its plan | |
| Leonidas city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| McKinley city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $34,201.10 | 0 total; 0 since its plan | |
| Meadowlands city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 8 total; 2 since its plan | |
| Mountain Iron city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $41,261.03 | 10 total; 2 since its plan | |
| Orr city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 17 total; 4 since its plan | |
| Proctor city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 1 | $297,678.53 | 10 total; 0 since its plan | |
| Rice Lake city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 0 total; 0 since its plan | |
| Tower city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $99,979.30 | 7 total; 0 since its plan | |
| Virginia city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | $190,940.97 | 18 total; 5 since its plan | |
| Winton city | City | Expired on 2025-05-05 | FMA RL 0, SRL 0; any 0 | no Public Assistance recorded | 7 total; 6 since its plan |
Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).
County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.
Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts
Local data needed
The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
County-level starter: exposure, expected annual loss and damage since the plan
Sources: 1, 2, 3, 5, 6, 7
| Hazard | Building exposuremodeled dollars | Agriculture exposuremodeled dollars | Population exposedpeople | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL as % of exposurebuildings; agriculture where noted | Storm Events damage since 2020-05-06county-coded records, property plus crops, nominal dollars | Zone-level damage since planproperty plus crops, reported for the zone | Public Assistance since plannominal dollars; see note | Note |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | $2,907,418,047 | n/a | 3,346 | $8,000 | n/a | $677 | 0.000275% | ||||
| Cold Wave | $24,943,200,925 | $14,099,217 | 75,689 | $11,468 | $52,235 | $50,567,137 | under 0.0001% | $0 | |||
| Drought | n/a | $10,365,671 | n/a | n/a | $88,863 | n/a | 0.857% (agriculture) | $0 | NRI has no building exposure for this hazard; agriculture shown | ||
| Earthquake | $105,269,636,445 | n/a | 200,231 | $2,799 | n/a | $571 | under 0.0001% | ||||
| Hail | $58,382,738,768 | $20,786,875 | 200,067 | $1,101,593 | $3,133 | $78,291 | 0.00189% | $10,000 | |||
| Heat Wave | $24,936,592,890 | $14,039,107 | 75,656 | $787 | under $1 | $2,434,242 | under 0.0001% | $0 | |||
| Hurricane | Not Applicable in NRI for this county | ||||||||||
| Ice Storm | $58,183,261,697 | n/a | 199,534 | $138,341 | n/a | $29,757 | 0.000238% | $0 | |||
| Inland Flooding | $58,188,174,365 | $905,082 | 2,922 | $49,633,621 | $35 | $134,810 | n/a (see note) | $3,210,000 | $9,037,699.24 | NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. | |
| Landslide | $1,313,115,119 | n/a | 4,121 | $2,026 | n/a | $390 | 0.000154% | ||||
| Lightning | $58,382,738,768 | n/a | 200,067 | $101,136 | n/a | $2,801,945 | 0.000173% | $303,500 | |||
| Strong Wind | $58,382,738,768 | $20,786,875 | 200,067 | $27,982 | $4,233 | $1,047,466 | under 0.0001% | $254,000 | $800,000 | $1,410,627.17 | Storm Events damage since the plan includes 1 zone-level Strong Wind record ($800,000): a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition. |
| Tornado | $58,382,738,768 | $20,786,875 | 200,067 | $949,535 | $166 | $1,280,093 | 0.00163% | $200,000 | |||
| Tsunami | n/a | n/a | n/a | n/a | n/a | n/a | NRI publishes no building exposure for this county | ||||
| Wildfire | $10,452,359,892 | $12,432,475 | 48,172 | $488,245 | $26 | $23,701 | 0.00467% | $21,700,000 | no Public Assistance recorded (1 declaration) | ||
| Winter Weather | $24,943,200,925 | $14,099,217 | 75,689 | $527,399 | $97 | $867,574 | 0.00211% | $1,000,000 |
Totals since 2020-05-06 (Storm Events through 2026-06-30): 413 county-coded records, 413 with a damage value recorded (including $0), $3,977,500; 152 zone-level records, 152 with a damage value recorded (including $0), $23,500,000 reported for the zone; Public Assistance: $9,037,699.24 on 4 counted declarations, 3 of them with Public Assistance.
FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.
NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.
Supports FEMA checklist item B2-a: vulnerability (county context)
County context
Source: 5
| Measure | Value |
|---|---|
| Population | 200,067 |
| Building value (total, not at risk) | $58,382,738,768 |
| Agriculture value (total, not at risk) | $20,786,875 |
| NRI risk rating (all hazards) | Relatively Moderate |
| Expected annual loss, buildings and agriculture, all hazards | $53,141,721 |
| Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage) | $59,266,654 |
| Social vulnerability rating | Relatively Low |
| Community resilience rating | Very High |
| NRI version | December 2025 |
FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.
Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.
Supports FEMA checklist item B2-c: repetitive loss properties
Repetitive loss in this county, both definitions
Sources: 1, 4
| Definition | Properties | Severe repetitive loss | Properties |
|---|---|---|---|
| Repetitive loss, FMA definition (44 CFR 77.2) | 0 | Severe repetitive loss, FMA definition (44 CFR 77.2) | 0 |
| Repetitive loss, NFIP insurance definition | 10 | Severe repetitive loss, NFIP insurance definition | 0 |
The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).
Repeat-flood properties: county total and NFIP communities
Sources: 1, 4
| Scope | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| County total | 0 | 0 | 10 | 0 | 10 | 0 | 4 |
| of which: St. Louis County (unincorporated area) | 0 | 0 | 3 | 0 | 3 | 0 | 2 |
| of which: Duluth city | 0 | 0 | 3 | 0 | 3 | 0 | 0 |
| of which: Floodwood city | 0 | 0 | 2 | 0 | 2 | 0 | 0 |
| of which: Proctor city | 0 | 0 | 1 | 0 | 1 | 0 | 1 |
| of which: Midway township (community ID not in plan data) | 0 | 0 | 1 | 0 | 1 | 0 | 1 |
Repeat-flood properties by jurisdiction in the plan (NFIP community)
Sources: 1, 4
| Jurisdiction | NFIP community ID | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|---|
| St. Louis County | 270416 | 0 | 0 | 3 | 0 | 3 | 0 | 2 |
| Aurora city | 270417 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Babbitt city | 275304 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Biwabik city | 270418 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Brookston city | 270419 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buhl city | 275332 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Chisholm city | 275333 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cook city | 270420 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Duluth city | 270421 | 0 | 0 | 3 | 0 | 3 | 0 | 0 |
| Ely city | 270567 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Eveleth city | 270422 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Floodwood city | 270423 | 0 | 0 | 2 | 0 | 2 | 0 | 0 |
| Gilbert city | 275334 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hermantown city | 270708 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hibbing city | 270577 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hoyt Lakes city | 270575 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Iron Junction city | 270580 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Kinney city | 275335 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Leonidas city | 270951 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| McKinley city | 270952 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Meadowlands city | 270953 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Mountain Iron city | 270424 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Orr city | 270648 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Proctor city | 270425 | 0 | 0 | 1 | 0 | 1 | 0 | 1 |
| Rice Lake city | 270742 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tower city | 270605 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Virginia city | 270426 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Winton city | 270427 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".
Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.
County repeat-flood properties by occupancy group
Sources: 1, 4
| Occupancy group | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| single-family residential | 0 | 0 | 8 | 0 | 8 | 0 | 3 |
| 2 to 4 unit residential | 0 | 0 | 1 | 0 | 1 | 0 | 1 |
| other residential | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| non-residential | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.
FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.
Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.
In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 10 properties are NFIP repetitive loss but not FMA repetitive loss.
Exact counts; no count suppression.
Sources
Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):
- FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
- FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
- FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
- FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
- FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
- NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
- NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
- U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)
What this packet is and what the plan adds
This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.
The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.
How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.
OpenFEMA disclaimer
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Reuse, citation and corrections
Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.
Cite this: Hazard Plain (2026). St. Louis County, MN: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 27137). Automated baseline. https://hazardplain.org/mn/27137/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.
Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]