Mille Lacs County, Minnesota: Natural Disaster Risk and History
Mille Lacs County, Minnesota has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 28.5 out of 100, higher than about 28% of US counties, with wildfires, cold waves and hail scoring highest of its 18 hazards and $11 million a year in expected losses.
OpenFEMA lists 8 federal disaster declarations that included Mille Lacs County since 1965, not counting 2 for COVID-19; the latest is DR-4722-MN (Severe Storms and Flooding, declared 19 July 2023). NOAA's Storm Prediction Center recorded 16 tornadoes touching Mille Lacs County from 1950 to 2025.
Live weather alerts for Minnesota All official warnings Latest FEMA declarations
Population 26,388 Buildings worth $6.8 billion Area 688 sq mi Risk rank in Minnesota 56 of 87 FIPS 27095
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Wildfire | Relatively Low | 65.8 | $151,406 | about once every 962 years | — |
| Cold wave | Relatively Low | 62.8 | $1.9 million | about 12 a year | 227 |
| Hail | Relatively Low | 56.7 | $406,213 | about 4.5 a year | 166 |
| Inland flooding | Relatively Low | 46.2 | $7.1 million | about once every 2.3 years | 12 |
| Strong wind | Relatively Low | 43.8 | $552,179 | about 2.9 a year | 107 |
| Lightning | Relatively Low | 40.2 | $193,164 | about 33 a year | 50,390 strikes |
| Drought | Relatively Low | 39.1 | $72,667 | about 8.8 a year | 315 |
| Landslide | Very Low | 32.9 | $464 | about once every 14 years | — |
| Tornado | Relatively Low | 30.8 | $644,640 | about once every 3.6 years | 13 |
| Heat wave | Very Low | 28.6 | $148,267 | about 2 a year | 27 |
| Ice storm | Relatively Low | 27.6 | $33,399 | about once every 2.7 years | 26 |
| Winter weather | Relatively Low | 25.5 | $28,596 | about 17 a year | 322 |
| Earthquake | Very Low | 3.1 | $3,584 | rarer than once in 1,000 years | — |
| Avalanche | Not Applicable | — | — | — | — |
| Coastal flooding | Not Applicable | — | — | — | — |
| Hurricane | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic activity | Not Applicable | — | — | — | — |
Score: FEMA's percentile among US counties that face the hazard (higher = more risk). Expected loss: FEMA's modelled average yearly loss to buildings, people (as a statistical value) and crops. How often: FEMA's annualised frequency of the hazard in the county; for some hazards it counts event-days, so it is a rough guide, not a forecast. "Not Applicable" means FEMA does not model that hazard here.
Federal disaster declarations 8
Most common: Flood 5, Severe Storm 1, Hurricane 1, Drought 1.
| Decade | Declarations | Incident types |
|---|---|---|
| 1960s | 2 | Flood ×2 |
| 1970s | 2 | Drought, Flood |
| 2000s | 2 | Hurricane, Flood |
| 2010s | 1 | Severe Storm |
| 2020s | 1 | Flood |
The last 8
Widest declarations that included Mille Lacs County
- Hurricane Katrina Evacuation (2005, EM-3242-MN): 87 Minnesota counties designated.
- Drought (1976, EM-3013-MN): 78 Minnesota counties designated.
- Flooding (1969, DR-255-MN): 70 Minnesota counties designated.
Named storms in its declarations: Hurricane Katrina (2005).
Not counted above: 2 COVID-19 ("Biological") declarations — in 2020 every US county was included. Minnesota also had 9 statewide declarations with no county list.
Tornado record since 1950 16
| Tornadoes touching the county | 16 |
|---|---|
| Strongest-rated | (E)F3 ×1 |
| Peak month | July (8) |
| Deadliest | 18 Sep 1997, F3, 17 mi path, 1 killed, 1 injured |
| Longest path | 3 Jul 1985, F2, 33 mi path |
| Most recent | 26 Aug 2019, EF0, 3 mi path |
| Deaths / injuries on those paths | 2 / 3 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 6 | 6 | 3 | 1 | 0 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 2 | 0 | 3 | 2 | 5 | 1 | 3 | 0 |
Deaths and injuries are for each tornado's whole path, which can run beyond this county. F-scale ratings before February 2007, Enhanced Fujita (EF) after.
How Mille Lacs County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Mille Lacs County (this page) | — | Very Low | 28.5 | Wildfire |
| Kanabec County | 26 km | Very Low | 21.3 | Cold wave |
| Benton County | 39 km | Relatively Low | 51.3 | Hail |
| Isanti County | 49 km | Very Low | 26.9 | Wildfire |
| Morrison County | 50 km | Relatively Low | 66.9 | Lightning |
| Sherburne County | 56 km | Relatively Low | 53.6 | Strong wind |
Nearest by distance between county centres. Every county in Minnesota, ranked.
Vulnerability and resilience
| Social vulnerability | Very Low 19.1 |
|---|---|
| Community resilience | Very High 94.6 |
| Community risk factor | 0.87 |
| Expected annual loss, all hazards | $11 million |
FEMA scales expected losses up where social vulnerability is high (people who may find it harder to prepare, evacuate or recover) and down where community resilience is high. A factor above 1 raises the risk score. For social vulnerability a high rating is worse; for resilience a high rating is better.
Prepare for Mille Lacs County's main hazards
- Right now: National Weather Service alerts for Minnesota · all official warnings on Global Incident Tracker.
- Wildfire: US wildfires now · Wildfire smoke: what protects you
- Cold wave: Carbon monoxide in winter · Power outages now
- Hail: Weather alerts for Minnesota
- Your property's flood zone: FEMA Flood Map Service Center ↗ — this page cannot tell you that.
- Official preparedness guidance: Ready.gov ↗ and your county emergency management office.
What this page shows, and what it misses
FEMA's National Risk Index rates a whole county against every other US county; it is a planning-level estimate for nationwide comparison, not a flood-zone map and not a substitute for a local risk assessment or the risk to one home. Declarations are presidential disaster, emergency and fire management declarations that named this county; state declarations and SBA or USDA designations are not included. Tornadoes are counted when the county is one of up to four listed on the track; 670 tornadoes that crossed a state line carry no county list in NOAA's file and are left out.
Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets 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).
Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. 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).
Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.
Questions about Mille Lacs County
What natural disasters is Mille Lacs County, Minnesota most at risk from?
Mille Lacs County, Minnesota has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 28.5 out of 100, higher than about 28% of US counties, with wildfires, cold waves and hail scoring highest of its 18 hazards and $11 million a year in expected losses.
How many federal disaster declarations has Mille Lacs County had?
OpenFEMA lists 8 federal disaster declarations that included Mille Lacs County since 1965, not counting 2 for COVID-19; the latest is DR-4722-MN (Severe Storms and Flooding, declared 19 July 2023). Another 9 Minnesota declarations were made statewide without a county list.
How many tornadoes have hit Mille Lacs County?
NOAA's Storm Prediction Center recorded 16 tornadoes touching Mille Lacs County from 1950 to 2025. The deadliest: 18 Sep 1997, F3, 17 mi path, 1 killed, 1 injured (deaths and injuries are for the whole path).
Is the National Risk Index a flood zone map?
No. The National Risk Index is a planning-level estimate for a whole county, built for nationwide comparison. It does not tell you the flood zone or the risk of a single property: for that, look up the address on FEMA's Flood Map Service Center (msc.fema.gov) and ask your local floodplain manager.