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Ham Lake city, MN

ZIP 55304 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 55304

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Ham Lake city, MN as Relatively Moderate (composite score 88.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.0) and wildfire (81.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Relatively Moderate
Risk index
88.0
Flood risk
92.0
Wildfire risk
81.6
Earthquake risk
23.2
Tornado risk
87.3
Winter weather risk
84.1
Hail risk
96.2
Air Quality (EPA AQI)

County-level annual air quality from EPA. Good days = healthy to breathe; unhealthy = sensitive groups or worse.

38
Median AQI
82.1%
Good Days

Air quality healthy to breathe

0.6%
Unhealthy / Hazardous

Sensitive groups or worse

Climate & Weather in ZIP Code 55304

Climate normals for Ham Lake city, MN show little to no average snow and around 28.8 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively Moderate) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
4b
Annual Snow Days
0
Annual Precipitation
28.82 in
FEMA NRI rating
Relatively Moderate

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone4b
Annual precip (in)28.82
Snow days0
Broadband access94.8%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively Moderate
NRI risk index88.0
Flood risk (NRI)92.0
Wildfire risk (NRI)81.6
IRS net migration3510
Median AQI38
Good AQI days82.1%