🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 56363

Pease, Minnesota

4.6out of 10
Moderate Risk

Risk Summary for ZIP 56363

ZIP 56363 scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Cold Wave Hail

All 18 Hazard Scores

Wildfire
7.0
Cold Wave
6.7
Hail
6.2
Tsunami
5.4
Strong Wind
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.8
Drought
4.7
Avalanche
4.5
Landslide
4.1
Tornado
3.9
Ice Storm
3.9
Extreme Heat
3.8
Winter Weather
3.5
Hurricane
2.4
Earthquake
1.5
Riverine Flooding
1.0

How it compares

ZIP 56363
4.6
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 56363, Minnesota

ZIP 56363 in Pease sits in the northern tier of the continental 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 56363 carries an overall risk score of 4.6/10, placing it in the moderate category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to cold wave and hail.

Within Minnesota, ZIP 56363's risk is, slightly below the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies wildfire as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 56363 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 wildfire is recommended.

What this means for ZIP 56363: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Risk for the surrounding area

Local Factors for ZIP 56363

These city-level factors differentiate ZIP 56363 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

238

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.0/10

Coordinates

45.6963Β° N, 93.6541Β° 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 56363

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.