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Ramsey County | Multi-Jurisdiction Hazard Mitigation Plan 11 • Household income in more vulnerable areas of the county is significantly lower than the countywide average, with 20.5% of countywide households reporting incomes of $35,000 or less. • Housing cost-burdened occupied units (30%+ of income spent on housing costs) equal approximately 26.4% of the available housing stock. • Data shows that educational attainment also plays a role, with 8.8% of residents over age 25 lacking a high school diploma. • In the metro area, 4 of every 5 Areas of Concentrated Poverty are also census tracts where at least half of residents are people of color. Areas with lower income, more poverty and unemployment, and fewer adults with high school diplomas have a higher vulnerability score. Areas of moderate to high vulnerability are found along and north of I- 94, Saint Paul’s East and West Sides, and in areas in Roseville and Mounds View . 2.4.2 HOUSEHOLD COMPOSITION AND DISABILITY Household composition and disability affect hazard vulnerability as families with young children, elderly members, or individuals with disabilities may face greater difficulties in evacuating, accessing emergency information, and receiving appropriate care during disasters. These groups often require additional support and tailored resources to ensure safety and resilience. • Vulnerability is also shaped by the composition of households in the county. Individuals under the age of 18 make up 23.1% of the population, while individuals over the age of 65 represent 15.1%. • Additionally, 12.0% of individuals in Ramsey County report having a disability, which can affect the ability to respond to and recover from disasters. • Single-parent households account for 5.7% of all households in Ramsey County, a group that may face heightened vulnerability due to resource constraints. Areas with more elderly, youth, people with disabilities and single parent households with young children have a higher vulnerability score. Areas of moderate to high vulnerability are found along & north of I-94, Saint Paul’s East and West Sides, and in areas in Mounds View, New Brighton, Maplewood, White Bear Lake, Roseville and Little Canada. 2.4.3 MINORITY STATUS AND LANGUAGE Minority status and language barriers increase hazard vulnerability as marginalized communities may face systemic discrimination, limited access to resources, and reduced trust in authorities. Language barriers can hinder the ability to receive critical emergency information and access services, exacerbating the risks during disasters. • Ramsey County is home to a diverse population, with 40.4% of residents identifying as a racial or ethnic minority. These groups often face barriers to accessing resources and services during emergencies. • Language proficiency is a significant factor in vulnerability. Ramsey County has a significant portion of the population with limited English proficiency. 23.5% of residents speak a language other than English at home, with the most common languages being Asian and Pacific Island