Stearns County, MN
Composite Insurance Risk Score: 43.8 / 100 (National rank: #1995)
Axis Scores
Climate Safety
18.8
Insurance Affordability
63.5
Housing Affordability
27.9
Community Resilience
98.1
Social Resilience
61.1
Housing Stability
22.0
Key Metrics
| Annual Insurance Premium (state avg) | $1,800 |
| Insurance Burden (% of income) | 2.34% |
| Price-to-Income Ratio | 3.55 |
| FEMA Risk Score (0-100) | 81.1 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).