🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 56585

Ulen, Minnesota

5.8out of 10
Moderate Risk

Risk Summary for ZIP 56585

ZIP 56585 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Hail

All 18 Hazard Scores

Winter Weather
9.6
Cold Wave
8.7
Hail
8.3
Strong Wind
8.1
Wildfire
7.0
Tornado
6.7
Ice Storm
5.9
Drought
5.6
Landslide
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.7
Avalanche
4.5
Lightning
3.9
Earthquake
2.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 56585
5.8
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 56585, Minnesota

ZIP 56585 in Ulen 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 56585 carries an overall risk score of 5.8/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to cold wave and hail.

Within Minnesota, ZIP 56585's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies winter 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 56585 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 56585: Winter Weather preparedness

  • 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.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Risk for the surrounding area

Local Factors for ZIP 56585

These city-level factors differentiate ZIP 56585 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

1,064

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.1Β°

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

47.0890Β° N, 96.2449Β° 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 56585

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.