Risk Index · Hennepin County · 2026-06-13
Minneapolis, MN real-estate risk
- Risk score
- 98.3/100
- Relatively High
- Expected annual loss
- $456M
- all hazards, county-wide
- Buildings-only loss
- $267M
- what owners and insurers carry
- Population
- 1.3M
- Hennepin County
Minneapolis, MN (Hennepin County) carries a FEMA National Risk Index score of 98.3/100, rated "Relatively High" and driven mainly by tornado and hail, with roughly $456M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.6
- Hail99.6
- Heat wave99.1
- Strong wind98.9
- Riverine flood98
- Wildfire74.9
- Earthquake49.8
- Drought40.7
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Minneapolis risk questions
Is Minneapolis, MN a high-risk area for real estate?
Minneapolis scores 98.3/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $456M per year.
What is the biggest natural hazard in Minneapolis?
The highest-rated hazard is tornado (99.6/100), followed by hail (99.6/100).
How does hazard risk affect property insurance in Minneapolis?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.