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Risk: Relatively Low

Pine County, MN Environment & Hazard Risk

Relatively Low natural hazard risk, led by cold wave. 483 storm events since 1996.

Expected yearly loss
$21.5M
Relatively Low nationally
Storm events since 1996
483
Most often hail
Flood insurance policies
106
0.5% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 62.2 of 100

Social vulnerability

Relatively Moderate

Score 46.2 of 100

Community resilience

Relatively High

Score 67.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $10.3B · Agriculture value exposed: $50.2M · Risk-adjusted yearly loss: $23.6M

Risk by hazard

  • Cold waveRelatively Moderate$6M/yr expected annual loss, about 11 events a year
  • HailRelatively Moderate$721K/yr expected annual loss, about 2.9 events a year
  • LightningRelatively Moderate$510K/yr expected annual loss, about 31 events a year
  • WildfireRelatively Low$120K/yr expected annual loss, about once every 1,940 years
  • TornadoRelatively Low$1.3M/yr expected annual loss, about once every 2 years
  • Ice stormRelatively Low$72.6K/yr expected annual loss, about once every 2 years
  • Heat waveRelatively Low$271K/yr expected annual loss, about 1.8 events a year
  • Strong windRelatively Low$399K/yr expected annual loss, about 2.1 events a year
  • DroughtRelatively Low$63.4K/yr expected annual loss, about 9.5 events a year
  • Winter weatherRelatively Low$31.4K/yr expected annual loss, about 19 events a year
  • LandslideVery Low$37/yr expected annual loss, about once every 4 years
  • EarthquakeVery Low$2,716/yr expected annual loss, about once every 8,333 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
106 of 21,869 (0.5%)
Homes in high-risk flood zones
787
Insured in high-risk zones
88 (11%)
Flood claims since 1978
60
Claims paid since 1978
$1.4M

Flood claims paid per year

Flood claims paid per year in Pine County
  • Flooding$25.5K · 3 claims
  • Severe flooding$9,170 · 6 claims

Storm history

Since 1996: 483 events, 2 deaths, $2.5M in damage

  • Hail172
  • Thunderstorm Wind119
  • Heavy Snow76
  • Drought36
  • Flash Flood19
  • Extreme Cold/Wind Chill15
  • Winter Storm13 · 1 death
  • Tornado8
  • Cold/Wind Chill6
  • Ice Storm5

Events per year

Storm events per year in Pine County
14
13
9
17
18
11
21
24
9
20
9
20
30
23
6
41
29
12
9
16

13 tornadoes on record (EF0 1, EF1 2, EF2 1, F0 7, F1 1, F2 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Storm12/31/2006

    Pine

    1 death, 4 injured

    What happened

    Rain changed to snow during the early afternoon hours of the 31st. The snow ended right at midnight as the new year began. The heaviest totals occured in western Pine County, where 6 to 8 inches fell. Bruno reported 7 inches, while the Hinckley area got 3.7 inches.

  • Lightning08/27/2013

    Sturgeon Lake, Pine County

    1 death

    What happened

    The Pine County Sheriff reported that a male was struck by lightning about 4 miles east-southeast of Sturgeon Lake, MN on Alder Loop in a development called Hogan's Acres. The individual passed away from his injuries after being taken by ambulance to Mercy Hospital in Moose Lake, MN. The investigation showed that the 53 year old male victim was standing in a large puddle of water near a tree when the tree and victim were struck by lightning.

  • TornadoEF2, 6.67 mi path, 400 yd wide06/18/2010

    Rock Creek, Pine County

    2 injured, $283K damage

    What happened

    The severe storm that produced the tornado tracked northeast along the Saint Croix River Valley on the Minnesota-Wisconsin state border. Although the tornado crossed through mostly recreational land, residents between Rush City and Rock Creek in MN, as well as Grantsburg to Yellow Lake in WI were impacted. The maximum path width was a quarter mile, or 400 yards, with an average path width of 400 to 600 ft. The tornado exited Pine County at around 1955 CST, continuing on in Burnett County, WI, where it lifted at 2001 CST, about 3.5 miles northwest of Grantsburg, WI. The total path length was about 6.5 miles. ||The worst of the damage occurred in far southeast Pine County and was evidence of a strong EF2 tornado with estimated winds of 110-135 mph. This rating was based on the total destruction of a strapped down mobile home and the extensive uprooting/snapping of trees where the tornado crossed Minnesota State Highway 70. Two people in a mobile home were injured. Multiple homes sustained significant damage.

  • Flood04/07/2001

    Pine

    $1.4M damage

    What happened

    Lingering snowpack with a high water content, combined with three heavy rainfall events during the month of April, led to significant flooding and flash flooding across the county, including along parts of the Snake River. Total infrastructure damage was estimated at $1.4 million.

  • Thunderstorm Wind61 kt wind07/02/2011

    Pine City, Pine County

    $500K damage

    What happened

    Numerous trees were blown down across Pine City and to the east. The Markville area and St. Croix State Park were hit the hardest. In Markville most trees were blown down, eleven homes received minor damage, two homes were rendered unlivable, and a a pole barn was destroyed. In a large portion of St. Croix State Park there was 75 to 100 percent tree damage. There were no visitors at the park at the time due to a state government shutdown.

  • Thunderstorm Wind70 kt wind08/09/2005

    Sturgeon Lake, Pine County

    $200K damage

Drinking water

15 community water systems serve about 11,022 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • Pine CityServes 3,458 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • HinckleyServes 1,964 · Groundwater · Local governmentNo health violations
  • Federal Correctional InstitutionServes 1,587 · Groundwater · PrivateNo health violations
  • SandstoneServes 1,425 · Groundwater · Local governmentNo health violations
  • Willow RiverServes 410 · Groundwater · Local governmentNo health violations
  • Sturgeon LakeServes 406 · Groundwater · Local governmentNo health violations
  • Pokegama Lake Resort and MHPServes 400 · Groundwater · PrivateNo health violations+3 monitoring or reporting
  • AskovServes 364 · Groundwater · Local governmentNo health violations+4 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Danbury, 15 mi from the county center

Summer highs peak around 80°F in Jul and winter lows bottom out near 2°F in Jan. About 30.1 inches of rain falls in a typical year, with 52.6 inches of snow.

MonthHighLowRainSnow
Jan22°F2°F0.72 in10.3 in
Feb27°F7°F0.79 in10.2 in
Mar40°F19°F1.26 in9.3 in
Apr54°F31°F2.67 in3.6 in
May67°F44°F3.59 in0.1 in
Jun76°F53°F4.08 in-
Jul80°F58°F4.22 in-
Aug78°F56°F3.89 in-
Sep70°F48°F3.58 in-
Oct56°F36°F3.01 in0.5 in
Nov40°F24°F1.39 in6.7 in
Dec27°F11°F0.90 in11.9 in
Year43°F average30.1 in52.6 in

Pollution sites

0 Superfund sites and 1 toxic release facility in Pine County

Superfund sites

None in this county.

Toxic release facilities

Total: 455 lbs in 2024, under 1 lb to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk16 historic places

Frequently asked questions

How risky is Pine County for natural disasters?
FEMA rates Pine County relatively low for overall natural hazard risk, with expected losses of $21.5M a year. The highest-rated hazards are cold wave (relatively moderate), hail (relatively moderate), lightning (relatively moderate).
What storms are most common in Pine County?
Since 1996, NOAA recorded 483 storm events affecting Pine County, most often hail (172), thunderstorm wind (119), heavy snow (76).
How many tornadoes have hit Pine County?
13 tornadoes have been recorded in Pine County since 1950.
How many homes in Pine County have flood insurance?
106 residential flood insurance policies are in force in Pine County, covering about 0.5% of homes. The program has paid $1.4M on 60 claims here since 1978.
What is the weather like in Pine County?
At Danbury, average highs reach 80°F in Jul and lows fall to 2°F in Jan, with 30.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.