🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 55760

Mcgregor, Minnesota

4.8out of 10
Moderate Risk

Risk Summary for ZIP 55760

ZIP 55760 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Landslide Wildfire

All 18 Hazard Scores

Cold Wave
8.6
Landslide
7.3
Wildfire
6.3
Lightning
5.7
Tsunami
5.4
Hail
5.2
Extreme Heat
5.1
Volcanic Activity
5.1
Drought
5.0
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Strong Wind
4.2
Tornado
3.3
Winter Weather
3.1
Hurricane
2.4
Earthquake
1.4
Riverine Flooding
1.0

How it compares

ZIP 55760
4.8
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 55760, Minnesota

ZIP 55760 in Mcgregor 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 55760 carries an overall risk score of 4.8/10, placing it in the moderate 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 landslide and wildfire.

Within Minnesota, ZIP 55760's risk is, slightly below the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies cold wave as the foremost hazard, followed by landslide and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 55760 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.

What this means for ZIP 55760: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Risk for the surrounding area

Local Factors for ZIP 55760

These city-level factors differentiate ZIP 55760 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

2,894

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.3/10

Coordinates

46.6249Β° N, 93.2705Β° 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 55760

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.