Natural Disaster Risk — ZIP Code 56296

Wheaton, Minnesota

3.7out of 10

Low Risk

Risk Summary for ZIP 56296

Below-average natural disaster risk. Fewer and less severe natural hazards affect this area.

Top Hazards

Hail Winter Weather Tsunami

All 18 Hazard Scores

Hail

6.3

Winter Weather

6.2

Tsunami

5.4

Volcanic Activity

5.1

Coastal Flooding

4.9

Cold Wave

4.8

Avalanche

4.5

Strong Wind

4.2

Ice Storm

3.3

Tornado

2.9

Extreme Heat

2.8

Landslide

2.8

Wildfire

2.6

Hurricane

2.4

Earthquake

1.7

Drought

1.7

Lightning

1.7

Riverine Flooding

1.0

How it compares

ZIP 56296

3.7

Minnesota avg.

5.2

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 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.

Other cities in Minnesota

Lakeville6.7/10 Rochester6.2/10 Saint Paul6.9/10 Anoka6.7/10 Mankato6.2/10 Shakopee6.2/10 Andover6.7/10 Burnsville6.7/10

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.