Gutters, roofing, siding and windows in Silver Bay, MN

• Gutters in Silver Bay

  Lake County averages 31.9 inches of precipitation a year (NOAA 1991–2020 normals). One inch of rain on 1,000 square feet of roof is about 623 gallons of water for the gutters to carry.

• Roofing in Silver Bay

  Neither of the 2 hail events on record within 10 miles of Silver Bay from 2016 through March 31, 2026 had hail 1.5 inches or larger. The National Weather Service counts hail of 1 inch or larger as severe.

• Siding in Silver Bay

  The strongest thunderstorm wind on record within 10 miles of Silver Bay from 2016 through September 22, 2025 was 69 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in Silver Bay

  78% of homes in ZIP code 55614 were built before 1980. A home built before 1980 was built before the energy codes in force today were written.

Source: NOAA Storm Events Database (hail events through March 31, 2026; thunderstorm-wind and tornado events through September 22, 2025); American Community Survey 2023, 5-year; NOAA 1991–2020 climate normals.

Our pages cover 1 ZIP code of Silver Bay: 55614. ZIP code 55614 has 1,275 households; its median home was built in 1961, and 92% of its housing units are single-family detached. The median home value in ZIP code 55614 is $172,900, and 85% of its occupied homes are owner-occupied. The median owner-occupied home in Silver Bay is valued at $150,700.

• ZIP code 55614

Source: American Community Survey 2023, 5-year, by ZIP Code Tabulation Area (a ZIP code can extend beyond the city); ZIP list and address points from the Census address file.

The NOAA Storm Events Database records 2 hail events, 6 thunderstorm-wind events and no tornadoes within 10 miles of Silver Bay from 2016 through March 31, 2026 for hail and through September 22, 2025 for thunderstorm wind and tornadoes. The largest hail on record there in that period was 1 inch on July 22, 2023, near Silver Bay.

The closest event to the center of Silver Bay was 58 mph wind on May 15, 2025, less than 1 mile away near Silver Bay. The most recent hail event within 10 miles of Silver Bay was on July 22, 2023: 1 in hail near Silver Bay. The most recent thunderstorm-wind event within 10 miles of Silver Bay was on May 15, 2025, near Beaver Bay. The strongest thunderstorm wind recorded within 10 miles of Silver Bay in that period was 69 mph. The busiest year was 2025, with 5 events in all.

Source: NOAA Storm Events Database (hail events through March 31, 2026; thunderstorm-wind and tornado events through September 22, 2025).

Source: NOAA Storm Events Database (hail events through March 31, 2026; thunderstorm-wind and tornado events through September 22, 2025).

Source: NOAA Storm Events Database (hail events through March 31, 2026; thunderstorm-wind and tornado events through September 22, 2025).

Lake County has 7,405 housing units, and 87% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 2% are attached homes such as townhomes. Mobile homes make up 3% of the housing units.

The median home in Lake County was built in 1970. 65% of homes in Lake County were built before 1980, and 17% were built in 2000 or later. The most common building period is 1950–1959, with 1,520 homes.

84% of occupied homes in Lake County are owner-occupied. The median owner-occupied home in Lake County is valued at $222,900. Among occupied homes in Lake County, 43% heat with utility gas, 14% with electricity, 29% with bottled or tank gas, 5% with fuel oil and 7% with wood.

• Year-built table and more on the Lake County page

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040).

Silver Bay is in Lake County, so the county ratings below apply to it. Lake County scores 20.6 of 100 for hail in FEMA's National Risk Index, which ranks 85th of 87 Minnesota counties. Lake County scores 89.4 of 100 for strong wind in FEMA's National Risk Index, which ranks 12th of 87 Minnesota counties. Lake County scores 83.2 of 100 for winter weather in FEMA's National Risk Index, which ranks 18th of 87 Minnesota counties. Of the perils listed here, the highest score in Lake County is for strong wind, at 89.4 of 100.

Lake County averages 31.9 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Lake County is 36.6°F.

Source: FEMA National Risk Index, 2026 release; rank among the state's counties computed from the scores; NOAA 1991–2020 climate normals.

The nearest other cities we serve, by straight-line distance, are Beaver Bay (2.9 miles), Finland (9.4 miles), Two Harbors (26 miles), Knife River (34 miles), Lutsen (38 miles), Babbitt (40 miles), Hoyt Lakes (43 miles) and Rice Lake (48 miles). The other Lake County communities we serve are Beaver Bay, Finland, Knife River and Two Harbors.

• Beaver Bay 2.9 mi
• Finland 9.4 mi
• Two Harbors 26 mi
• Knife River 34 mi
• Lutsen 38 mi
• Babbitt 40 mi
• Hoyt Lakes 43 mi
• Rice Lake 48 mi
• Duluth 54 mi
• Superior 56 mi

Our Duluth office is at 314 W Superior St #913, Duluth, MN 55802, about 52 miles from Silver Bay. Its hours are Monday–Friday 7:00 AM–7:00 PM. You can reach that office at (218) 833-2997.

• Duluth office: address, hours and map