🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 56763

Warroad, Minnesota

4.8out of 10
Moderate Risk

Risk Summary for ZIP 56763

ZIP 56763 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Drought Winter Weather

All 18 Hazard Scores

Wildfire
9.2
Drought
8.7
Winter Weather
8.2
Cold Wave
6.2
Ice Storm
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.5
Avalanche
4.5
Landslide
3.9
Lightning
3.1
Tornado
2.8
Extreme Heat
2.7
Strong Wind
2.5
Hurricane
2.4
Earthquake
1.4
Riverine Flooding
1.0

How it compares

ZIP 56763
4.8
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 56763, Minnesota

ZIP 56763 covers part of the Warroad area, in the northern tier of the continental United States. The surrounding region experiences some of the harshest winters in the lower 48 and warm summers, with severe blizzards and spring tornado outbreaks shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 56763's composite natural disaster risk at 4.8 out of 10 β€” moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for drought and winter risk in their preparedness planning.

ZIP 56763's risk score, slightly below the 5.2/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are wildfire, drought, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 56763 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 56763: Wildfire preparedness

  • 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.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Risk for the surrounding area

Local Factors for ZIP 56763

These city-level factors differentiate ZIP 56763 from other communities in Minnesota County and provide geographic context for its hazard exposure.

Population

5,180

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

48.8088Β° N, 95.3417Β° 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 56763

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.