Natural Disaster Risk — ZIP Code 56173

Natural Hazard Profile: ZIP 56173, Minnesota

Located in the interior eastern United States, ZIP 56173 serves the Steen 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 56173's overall natural disaster risk is rated 4.3/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include winter and drought.

Relative to other U.S. communities, ZIP 56173'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 hail and winter, as measured by FEMA across Minnesota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 56173'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.