🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 56594

Wolverton, Minnesota

3.6out of 10
Low Risk

Risk Summary for ZIP 56594

ZIP 56594 scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Hail Tsunami

All 18 Hazard Scores

Winter Weather
6.6
Hail
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.8
Avalanche
4.5
Strong Wind
3.7
Landslide
3.1
Wildfire
3.0
Tornado
2.9
Ice Storm
2.7
Hurricane
2.4
Extreme Heat
2.3
Drought
1.7
Earthquake
1.5
Lightning
1.5
Riverine Flooding
1.0

How it compares

ZIP 56594
3.6
Minnesota avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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 56594, Minnesota

ZIP 56594 in Wolverton 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 56594 carries an overall risk score of 3.6/10, placing it in the low 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 hail and tsunami.

Within Minnesota, ZIP 56594's risk is, considerably below the 5.2/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies winter as the foremost hazard, followed by hail and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Despite its lower-than-average risk classification, ZIP 56594 is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers winter β€” remains prudent for all residents.

What this means for ZIP 56594: 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 56594

These city-level factors differentiate ZIP 56594 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

442

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.5Β°

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: 3.0/10

Coordinates

46.5491Β° N, 96.6449Β° 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 56594

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.