Blaine, Minnesota: natural disaster risk
How exposed Blaine is to floods, storms and other hazards, from FEMA and NOAA records for Ramsey County.
Blaine is a city of 72,488 people in Ramsey County, Minnesota. Parts of Blaine also reach into Anoka County. FEMA's National Risk Index rates Ramsey County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, cold wave and tornado, with about $181 million in expected losses a year across the county. The weather service has logged 467 storm reports in the county since 1960, including 8 tornadoes and 21 floods. About 0.1% of homes in the county carry federal flood insurance.
Risk figures are for Ramsey County, the county with most of the population Blaine sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Blaine
Full Ramsey County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $69M | |
| Cold wave | $43M | |
| Tornado | $36M | |
| Heat wave | $17M | |
| Hail | $12M | |
| Strong wind | $2M | |
| Landslide | $980K | |
| Lightning | $610K | |
| Winter weather | $532K | |
| Ice storm | $189K | |
| Earthquake | $73K | |
| Wildfire | $60K |
Homes in Blaine
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Ramsey County
More cities in Ramsey County
Other cities in Minnesota
All ›Common questions about Blaine
Is Blaine safe from natural disasters?
Blaine is in Ramsey County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, cold wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Blaine?
By expected yearly losses in Ramsey County, the top hazards are inland flooding (High), cold wave (Very High), tornado (High). Ramsey County has been part of 17 federal disaster or emergency declarations for natural events.
Does Blaine get tornadoes?
Yes. NOAA records list 8 tornadoes in Ramsey County since 1950; the strongest was an F4 tornado on May 6, 1965. FEMA rates tornado risk in the county high.
Do I need flood insurance in Blaine?
Standard home insurance does not cover floods. In Ramsey County, about 0.1% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.