Natural Disaster Risk — ZIP Code 56248
Herman, Minnesota
Risk Summary for ZIP 56248
ZIP 56248 scores 3.7/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 56248, Minnesota
Located in the northern tier of the continental United States, ZIP 56248 serves the Herman 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 56248's overall natural disaster risk is rated 3.7/10 (Low) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include tsunami and volcano.
Relative to other U.S. communities, ZIP 56248's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 5.2/10 state average. The hazard distribution here is led by winter and tsunami, as measured by FEMA across Minnesota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 56248 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers winter — remains prudent for all residents.
What this means for ZIP 56248: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Risk for the surrounding area
Local Factors for ZIP 56248
These city-level factors differentiate ZIP 56248 from other communities in Minnesota County and provide geographic context for its hazard exposure.
Population
761
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.5/10
Coordinates
45.7932° N, 96.1368° 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 56248
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.