Natural Disaster Risk — ZIP Code 56686
Williams, Minnesota
Risk Summary for ZIP 56686
ZIP 56686 scores 3.2/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: ZIP 56686, Minnesota
Located in the northern tier of the continental United States, ZIP 56686 serves the Williams community. The continental climate of this part of Minnesota — bringing some of the harshest winters in the lower 48 and warm summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 56686's overall natural disaster risk is rated 3.2/10 (Low) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include drought and tsunami.
Relative to other U.S. communities, ZIP 56686's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.2/10 state average. The hazard distribution here is led by wildfire and drought, as measured by FEMA across Minnesota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 56686 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers wildfire — remains prudent for all residents.
What this means for ZIP 56686: Wildfire preparedness
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- 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.
Risk for the surrounding area
Local Factors for ZIP 56686
These city-level factors differentiate ZIP 56686 from other communities in Minnesota County and provide geographic context for its hazard exposure.
Population
905
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.1/10
Coordinates
48.7859° N, 94.9100° 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 56686
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.