Natural Disaster Risk — ZIP Code 55109

Natural Hazard Profile: ZIP 55109, Minnesota

ZIP 55109 in Saint Paul sits in the northern tier of the continental United States. Its continental climate produces some of the harshest winters in the lower 48 and warm summers, and notably severe blizzards and spring tornado outbreaks. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 55109 carries an overall risk score of 6.9/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to hail and landslide.

Within Minnesota, ZIP 55109's risk is, considerably above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies cold wave as the foremost hazard, followed by hail and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 55109 residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.