Hunt & Live

Stearns County, MN

160,405 residents · 1,343 sq mi · 119.4/sq mi · 38% rural

Climate
43°F
29.3" rain/yr
Water
humid
Aridity index 1.48
Hardiness
Zone 6a
Winter low ~-7.5°F

About Stearns County

Stearns County is a county in the U.S. state of Minnesota. As of the 2020 census, the population was 158,292. Its county seat and largest city is St. Cloud.

45
Prepper Suitability
worsebetter
National rank: #1881 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area offers a mix of rural and suburban environments, with a population density of 119.4 people per square mile. The climate features an annual mean temperature of 43.0°F, with summer highs reaching 81.1°F and winter lows dropping to 2.5°F. The growing season is moderate, supported by a humid climate with 29.3 inches of annual rainfall. The USDA zone 6a allows for a variety of crops, though the harsh winters may limit year-round gardening activities.

Natural hazards pose significant risks, with strong winds, hail, and tornadoes ranking high on the FEMA list, alongside winter weather and riverine flooding. The disaster percentile at 88 indicates a higher likelihood of experiencing severe weather events. While the area has a relatively low violence percentile of 7, the overall population density may lead to some urban-related issues. The median home price of $241,100 could be a barrier for some aspiring homesteaders, especially considering the effective property tax rate of 1.02%.

This county may suit those who appreciate a rural lifestyle combined with some suburban amenities, particularly individuals who can tolerate cold winters and are prepared for potential severe weather. It may not be ideal for those seeking a warmer climate or those who prefer a more isolated setting, as the population density is on the higher side for a rural area. The hidden gem here is the strong community support for local agriculture, which can enhance self-sufficiency efforts.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #1,958 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#82 of 87 in MN
Ranked #82 of 87 counties statewide for prepper suitability.
Dominant hazard: strong wind
FEMA ranks strong wind risk at 98/100 here — the leading natural threat.
Urban: 119/sqmi
Densely populated at 119 people per square mile.
Climate profile
Classified as humid with a 43.0°F annual mean and 29.3" of annual precipitation. USDA hardiness zone 6a.
Housing & taxes
Median home value $241,100.

Score Breakdown

Violence
4
percentile (lower = safer)
Disasters
88
percentile (lower = safer)
Density
75
percentile (lower = emptier)
Overall FEMA Risk
87.6
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 86
Drought 57
Earthquake 25
Hail 97
Heat Wave 75
Riverine Flood 91
Ice Storm 72
Landslide 67
Lightning 87
Strong Wind 98
Tornado 93
Wildfire 76
Winter Weather 92

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
81.1°F
Winter low
2.5°F
Heating degree days
8,496
Cooling degree days
515

Housing & Economy

Median home value
$241,100
Median HH income
$73,105
Price to income
3.3×
Property tax rate
1.02%
~$2,470/yr median

Community Profile

Median age
34.9
Homeownership
67.5%
Poverty rate
12.7%
Unemployment
4.4%

Connectivity

Broadband households
71.4%
No internet access
8.4%

Explore Stearns County Further

Similar Counties

Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.