Climate Risk Summary

Hermantown, MN Risk Profile

The primary drivers of climate-related financial risk in Hermantown, MN are Inland Flooding, Lightning, and Tornado.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Hermantown.

Primary Risks

Inland Flooding

$1,572,032

Expected Annual Loss for Hermantown

43.5Score

Relatively Moderate compared to US average

Hermantown
Minimal Estimated LossMax Estimated Loss

Lightning

$137,936

Expected Annual Loss for Hermantown

89.7Score

Relatively High compared to US average

Hermantown
Minimal Estimated LossMax Estimated Loss

Tornado

$120,879

Expected Annual Loss for Hermantown

41.9Score

Relatively Low compared to US average

Hermantown
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,572,032
Score: 43.5
MAJOR DRIVER
Lightning
$137,936
Score: 89.7
MAJOR DRIVER
Tornado
$120,879
Score: 41.9
Strong Wind
$55,367
Score: 52.5
Hail
$49,645
Score: 65.3
Ice Storm
$13,674
Score: 48.3
Wildfire
$1,511
Score: 59.3
Drought
$248
Score: 39.8
Earthquake
$189
Score: 0.5
Landslide
$5
Score: 40.3

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.7
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 52.5
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 65.3
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 59.3

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BarnumCloquetDuluthProctorRice Lake

Zip Codes in Hermantown

558105581155814