Natural Disaster Risk
Marine on St. Croix, MN
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Marine on St. Croix
🌊 Flood Risk — Marine on St. Croix
Marine on St. Croix has a flood risk score of 100/100, classified as Very High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Marine on St. Croix
Tornado risk score: 52/100 — Moderate. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Marine on St. Croix
Earthquake risk score: 15/100 — Very Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Marine on St. Croix
Wildfire risk score: 30/100 — Low. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Marine on St. Croix
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Minnesota
❓ Frequently Asked Questions — Marine on St. Croix
Is Marine on St. Croix in a flood zone?
Marine on St. Croix has a flood risk score of 100/100, classified as Very High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Marine on St. Croix get tornadoes?
Marine on St. Croix has a tornado risk score of 52/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Marine on St. Croix?
Marine on St. Croix has an earthquake risk score of 15/100 (Very Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Marine on St. Croix at risk for wildfires?
Marine on St. Croix's wildfire risk score is 30/100 (Low), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Marine on St. Croix?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Marine on St. Croix.