Natural Disaster Risk — ZIP Code 56117

Natural Hazard Profile: ZIP 56117, Minnesota

ZIP 56117 in Bigelow 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 56117 carries an overall risk score of 5.7/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to winter and cold wave.

Within Minnesota, ZIP 56117's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies hail as the foremost hazard, followed by winter and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 56117'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 hail exposure is adequately protected is a worthwhile step for property owners.