Natural Disaster Risk — ZIP Code 65588

Natural Hazard Profile: ZIP 65588, Missouri

ZIP 65588 in Winona sits in the interior eastern United States. Its humid continental climate produces hot summers, cold winters, and collision of multiple air masses, and notably year-round severe weather including tornadoes, ice storms, and floods. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 65588 carries an overall risk score of 5.8/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to landslide and earthquake.

Within Missouri, ZIP 65588's risk is, near the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Missouri identifies cold wave as the foremost hazard, followed by landslide and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 65588's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that cold wave exposure is adequately protected is a worthwhile step for property owners.