🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 55964

Plainview, Minnesota

5.0out of 10
Moderate Risk

Risk Summary for ZIP 55964

ZIP 55964 scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Strong Wind

All 18 Hazard Scores

Landslide
8.4
Hail
8.3
Strong Wind
7.7
Tornado
6.6
Drought
5.5
Tsunami
5.4
Volcanic Activity
5.1
Cold Wave
5.0
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Extreme Heat
4.3
Winter Weather
4.3
Lightning
3.4
Wildfire
2.4
Hurricane
2.4
Earthquake
1.6
Riverine Flooding
1.0

How it compares

ZIP 55964
5.0
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 55964, Minnesota

ZIP 55964 in Plainview 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 55964 carries an overall risk score of 5.0/10, 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 wind.

Within Minnesota, ZIP 55964's risk is, near 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 wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 55964 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 landslide is recommended.

What this means for ZIP 55964: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Risk for the surrounding area

Local Factors for ZIP 55964

These city-level factors differentiate ZIP 55964 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

4,400

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.4/10

Coordinates

44.1645Β° N, 92.1548Β° 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 55964

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.