Gutters, roofing, siding and windows in ZIP code 55614, Silver Bay, MN

• Gutters in ZIP code 55614

  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 ZIP code 55614

  Neither of the 2 hail events on record within 10 miles of the center of ZIP code 55614 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 ZIP code 55614

  The strongest thunderstorm wind on record within 10 miles of the center of ZIP code 55614 from 2016 through September 22, 2025 was 64 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in ZIP code 55614

  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.

ZIP code 55614 is filed here under Silver Bay, in Lake County, Minnesota; its center is about 52 miles northeast of our Duluth office. Our address file holds 1,639 address points in ZIP code 55614. Of the cities and towns on our pages, ZIP code 55614 covers only Silver Bay.

Source: Census ZIP Code Tabulation Area, county and place boundaries (a ZIP code can also take in land outside any city or town).

ZIP code 55614 has 1,529 housing units, and 92% of them are single-family detached homes (American Community Survey 2023, 5-year). Mobile homes make up 2% of the housing units.

The median home in ZIP code 55614 was built in 1961. 78% of homes in ZIP code 55614 were built before 1980, and 12% were built in 2000 or later. The most common building period is 1950–1959, with 674 homes.

85% of occupied homes in ZIP code 55614 are owner-occupied. The median owner-occupied home in ZIP code 55614 is valued at $172,900. Among occupied homes in ZIP code 55614, 59% heat with utility gas, 13% with electricity, 16% with bottled or tank gas, 4% with fuel oil and 4% with wood.

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040), for ZIP Code Tabulation Area 55614.

The nearest other ZIP codes we serve, measured center to center, are 55616 in Two Harbors (15 miles southwest), 55750 in Hoyt Lakes (31 miles northwest), 55706 in Babbitt (34 miles northwest), 55804 in Duluth (39 miles southwest) and 55803 in Duluth (39 miles southwest). The table sets ZIP code 55614 beside the 5 ZIP codes nearest to it, using the same Census figures for each.

Source: American Community Survey 2023, 5-year, by ZIP Code Tabulation Area; distances are straight lines between ZIP code centers.

The NOAA Storm Events Database records 2 hail events, 6 thunderstorm-wind events and no tornadoes within 10 miles of the center of ZIP code 55614 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 ZIP code 55614 was 0.88 in hail on April 5, 2021, 6.5 miles away near Silver Bay. The most recent hail event within 10 miles of the center of ZIP code 55614 was on July 22, 2023: 1 in hail near Silver Bay. The most recent thunderstorm-wind event within 10 miles of the center of ZIP code 55614 was on May 15, 2025, near Beaver Bay. The strongest thunderstorm wind recorded within 10 miles of the center of ZIP code 55614 in that period was 64 mph. The busiest year was 2025, with 4 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).

This page is filed under Silver Bay, which is in Lake County; the ratings below are that county's. 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.

Our Duluth office is at 314 W Superior St #913, Duluth, MN 55802, about 52 miles from the center of ZIP code 55614. 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