Natural Disaster Risk in Bingham Lake
Minnesota
Risk Summary for Bingham Lake
Bingham Lake scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Bingham Lake, Minnesota
Bingham Lake, in Cottonwood County, is a small unincorporated community situated in the interior eastern United States. Its continental climate brings some of the harshest winters in the lower 48 and warm summers, and in particular severe blizzards and spring tornado outbreaks. These conditions collectively define the natural hazard environment that Bingham Lake residents and property owners must navigate.
Bingham Lake's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include hail and cold wave.
Within Minnesota, Bingham Lake's risk is, near the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Cottonwood County identifies winter as the foremost hazard, followed by hail and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Bingham Lake residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for winter is recommended.
What this means for Bingham Lake: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Bingham Lake
These city-level factors differentiate Bingham Lake from other communities in Cottonwood County and provide geographic context for its hazard exposure.
Population
457
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.1/10
Coordinates
43.9362° N, 95.0356° W
Cottonwood County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Bingham Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bingham Lake
Other cities in Minnesota
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.