Gutters, roofing, siding and windows in Stephen, MN

• Gutters in Stephen

  Marshall County averages 23.8 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 Stephen

  2 of the 9 hail events on record within 10 miles of Stephen 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 Stephen

  The strongest thunderstorm wind on record within 10 miles of Stephen from 2016 through September 22, 2025 was 81 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in Stephen

  73% of homes in ZIP code 56757 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 Stephen: 56757. ZIP code 56757 has 355 households; its median home was built in 1963, and 85% of its housing units are single-family detached. The median home value in ZIP code 56757 is $113,800, and 89% of its occupied homes are owner-occupied. The median owner-occupied home in Stephen is valued at $83,800.

• ZIP code 56757

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 9 hail events, 14 thunderstorm-wind events and 1 tornado within 10 miles of Stephen 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 2.5 inches on July 4, 2017, near Donaldson. 2 of those hail events had hail 1.5 inches or larger.

The closest event to the center of Stephen was 0.88 in hail on June 4, 2019, less than 1 mile away near Stephen. The most recent hail event within 10 miles of Stephen was on June 24, 2022: 1 in hail near Stephen. The most recent thunderstorm-wind event within 10 miles of Stephen was on June 22, 2025, near Argyle. The strongest thunderstorm wind recorded within 10 miles of Stephen in that period was 81 mph. The busiest year was 2020, with 9 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).

Marshall County has 4,416 housing units, and 79% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 1% are attached homes such as townhomes. Mobile homes make up 11% of the housing units.

The median home in Marshall County was built in 1971. 68% of homes in Marshall County were built before 1980, and 13% were built in 2000 or later. The most common building period is 1939 or earlier, with 921 homes.

85% of occupied homes in Marshall County are owner-occupied. The median owner-occupied home in Marshall County is valued at $153,300. Among occupied homes in Marshall County, 24% heat with utility gas, 24% with electricity, 39% with bottled or tank gas, 7% with fuel oil and 4% with wood.

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

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

Stephen is in Marshall County, so the county ratings below apply to it. Marshall County scores 55.2 of 100 for hail in FEMA's National Risk Index, which ranks 64th of 87 Minnesota counties. Marshall County scores 19.9 of 100 for strong wind in FEMA's National Risk Index, which ranks 78th of 87 Minnesota counties. Marshall County scores 70.1 of 100 for winter weather in FEMA's National Risk Index, which ranks 43rd of 87 Minnesota counties. Of the perils listed here, the highest score in Marshall County is for winter weather, at 70.1 of 100.

Marshall County averages 23.8 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Marshall County is 38.6°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 Donaldson (8.4 miles), Argyle (8.5 miles), Kennedy (13 miles), Warren (19 miles), Karlstad (19 miles), Alvarado (19 miles), Halma (19 miles) and Strandquist (20 miles). The other Marshall County communities we serve are Alvarado, Argyle, Grygla, Holt, Middle River, Newfolden, Oslo, Strandquist, Viking and Warren.

• Donaldson 8.4 mi
• Argyle 8.5 mi
• Kennedy 13 mi
• Warren 19 mi
• Karlstad 19 mi
• Alvarado 19 mi
• Halma 19 mi
• Strandquist 20 mi
• Oslo 21 mi
• Lake Bronson 22 mi

Our Brainerd office is at 217 S 7th St, Brainerd, MN 56401, about 191 miles from Stephen. Its hours are Monday–Friday 7:00 AM–7:00 PM. You can reach that office at (218) 833-2997.

• Brainerd office: address, hours and map