Natural Disaster Risk — ZIP Code 55943

Natural Hazard Profile: ZIP 55943, Minnesota

ZIP 55943 in Houston sits in the interior eastern 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 55943 carries an overall risk score of 4.6/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to hail and cold wave.

Within Minnesota, ZIP 55943'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 landslide 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.

ZIP 55943's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.