🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 56262

Milan, Minnesota

5.2out of 10
Moderate Risk

Risk Summary for ZIP 56262

ZIP 56262 scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Extreme Heat Cold Wave

All 18 Hazard Scores

Winter Weather
7.7
Extreme Heat
7.5
Cold Wave
7.3
Hail
7.0
Drought
6.7
Strong Wind
5.9
Ice Storm
5.7
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Landslide
4.9
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.3
Lightning
2.5
Hurricane
2.4
Earthquake
2.1
Riverine Flooding
1.0

How it compares

ZIP 56262
5.2
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 56262, Minnesota

ZIP 56262 covers part of the Milan area, in the northern tier of the continental United States. The surrounding region experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 56262's composite natural disaster risk at 5.2 out of 10 β€” moderate risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for heat and cold wave risk in their preparedness planning.

ZIP 56262's risk score, near the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, heat, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 56262 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 winter is recommended.

What this means for ZIP 56262: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 56262

These city-level factors differentiate ZIP 56262 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

871

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.1Β°

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: 4.3/10

Coordinates

45.1228Β° N, 95.8684Β° 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 56262

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.