Natural Disaster Risk — ZIP Code 55612
Lutsen, Minnesota
Risk Summary for ZIP 55612
ZIP 55612 scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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: ZIP 55612, Minnesota
Located in the northern tier of the continental United States, ZIP 55612 serves the Lutsen community. The continental climate of this part of Minnesota — bringing some of the harshest winters in the lower 48 and warm summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 55612's overall natural disaster risk is rated 4.3/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include wildfire and lightning.
Relative to other U.S. communities, ZIP 55612's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.2/10 state average. The hazard distribution here is led by coastal flood and wildfire, as measured by FEMA across Minnesota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 55612 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 coastal flood is recommended.
What this means for ZIP 55612: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Risk for the surrounding area
Local Factors for ZIP 55612
These city-level factors differentiate ZIP 55612 from other communities in Minnesota County and provide geographic context for its hazard exposure.
Population
535
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.2/10
Coordinates
47.7794° N, 90.7040° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 55612
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Minnesota
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.