Hunt & Live

Clearwater County, MN

8,649 residents · 999 sq mi · 8.7/sq mi · 100% rural

Climate
39.3°F
24.9" rain/yr
Water
humid
Aridity index 1.37
Hardiness
Zone 5b
Winter low ~-12.9°F

About Clearwater County

Clearwater County is a county in the northwestern part of the U.S. state of Minnesota. As of the 2020 census, the population was 8,524. Its county seat is Bagley.

90
Prepper Suitability
worsebetter
National rank: #44 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in Clearwater County offers a predominantly rural experience, with a population density of just 8.7 people per square mile. The climate is characterized by a humid environment, with an annual mean temperature of 39.3°F and a growing season suitable for USDA zone 5b. Water availability is decent, with 24.9 inches of precipitation per year, supporting self-sufficient living. However, the long winters, with lows averaging -2.9°F, may challenge year-round farming and outdoor activities.

Natural hazards pose some risks in this area, with wildfire (FEMA rank 66) and drought (rank 60) being notable concerns. The county scores well on safety, with a violence percentile of 14/100 and a disaster percentile of 4/100, indicating a lower risk of violent crime and natural disasters. The cost of living is reasonable, with a median home price of $161,800 and an effective property tax rate of 0.78%, but residents should be prepared for the challenges of winter weather and cold waves (rank 35).

Clearwater County could be a good fit for those seeking a quiet, rural lifestyle and who are prepared for the realities of cold winters. Homesteaders who thrive in remote settings and can adapt to seasonal changes may find it appealing. However, individuals seeking year-round mild weather or urban amenities may find this area less suitable. The hidden gem here is the low cost of living and safety, but the long winters could be a dealbreaker for some.

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

Key Facts

Top 25 nationally
Ranks #25 of 3,109 CONUS counties for prepper suitability — top 1%.
#6 of 87 in MN
Ranked #6 of 87 counties statewide for prepper suitability.
Dominant hazard: wildfire
FEMA ranks wildfire risk at 66/100 here — the leading natural threat.
Sparse population
8.7 people per square mile — well below the CONUS average.
Climate profile
Classified as humid with a 39.3°F annual mean and 24.9" of annual precipitation. USDA hardiness zone 5b.
Housing & taxes
Median home value $161,800.

Score Breakdown

Violence
11
percentile (lower = safer)
Disasters
4
percentile (lower = safer)
Density
16
percentile (lower = emptier)
Overall FEMA Risk
4.2
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 35
Drought 60
Earthquake 1
Hail 24
Heat Wave 12
Riverine Flood 11
Ice Storm 5
Landslide 59
Lightning 8
Strong Wind 15
Tornado 17
Wildfire 66
Winter Weather 51

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
78.5°F
Winter low
-2.9°F
Heating degree days
9,633
Cooling degree days
318

Housing & Economy

Median home value
$161,800
Median HH income
$62,723
Price to income
2.6×
Property tax rate
0.78%
~$1,269/yr median

Community Profile

Median age
41.6
Homeownership
81.9%
Poverty rate
11.3%
Unemployment
7.6%

Connectivity

Broadband households
70%
No internet access
13.9%

Explore Clearwater 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.