Gutters, roofing, siding and windows in Gem Lake, MN

• Gutters in Gem Lake

  Ramsey County averages 33 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 Gem Lake

  42 of the 99 hail events on record within 10 miles of Gem Lake 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 Gem Lake

  The strongest thunderstorm wind on record within 10 miles of Gem Lake from 2016 through September 22, 2025 was 70 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in Gem Lake

  58% of homes in ZIP code 55110 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 Gem Lake: 55110. ZIP code 55110 has 15,492 households; its median home was built in 1974, and 70% of its housing units are single-family detached. The median home value in ZIP code 55110 is $347,100, and 77% of its occupied homes are owner-occupied. The median owner-occupied home in Gem Lake is valued at $536,600.

• ZIP code 55110

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 99 hail events, 54 thunderstorm-wind events and 1 tornado within 10 miles of Gem Lake 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 3 inches on July 26, 2019, near Shoreview. 42 of those hail events had hail 1.5 inches or larger.

The closest event to the center of Gem Lake was 1 in hail on May 19, 2022, 1.1 miles away near White Bear Lake. The most recent hail event within 10 miles of Gem Lake was on August 15, 2025: 1.25 in hail near Circle Pines. The most recent thunderstorm-wind event within 10 miles of Gem Lake was on July 28, 2025, near Circle Pines. The strongest thunderstorm wind recorded within 10 miles of Gem Lake in that period was 70 mph. The busiest year was 2022, with 58 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).

Ramsey County has 231,606 housing units, and 52% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 7% are attached homes such as townhomes. Mobile homes make up 1% of the housing units.

The median home in Ramsey County was built in 1965. 70% of homes in Ramsey County were built before 1980, and 12% were built in 2000 or later. The most common building period is 1939 or earlier, with 59,227 homes.

61% of occupied homes in Ramsey County are owner-occupied. The median owner-occupied home in Ramsey County is valued at $304,900. Among occupied homes in Ramsey County, 71% heat with utility gas, 24% with electricity and 2% with bottled or tank gas.

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

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

Gem Lake is in Ramsey County, so the county ratings below apply to it. Ramsey County scores 99 of 100 for hail in FEMA's National Risk Index, which ranks 2nd of 87 Minnesota counties. Ramsey County scores 90.8 of 100 for strong wind in FEMA's National Risk Index, which ranks 11th of 87 Minnesota counties. Ramsey County scores 92.2 of 100 for winter weather in FEMA's National Risk Index, which ranks 7th of 87 Minnesota counties. Of the perils listed here, the highest score in Ramsey County is for cold wave, at 99.1 of 100.

Ramsey County averages 33 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Ramsey County is 45.4°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 White Bear Lake (1.4 miles), Vadnais Heights (1.7 miles), Birchwood Village (3.1 miles), Little Canada (3.2 miles), Mahtomedi (3.6 miles), North St. Paul (3.7 miles), North Oaks (3.7 miles) and Willernie (4.1 miles). The other Ramsey County communities we serve are Arden Hills, Falcon Heights, Lauderdale, Little Canada, Maplewood, Mounds View, New Brighton, North Oaks, North St. Paul, Roseville, Shoreview, St. Paul, Vadnais Heights and White Bear Lake.

• White Bear Lake 1.4 mi
• Vadnais Heights 1.7 mi
• Birchwood Village 3.1 mi
• Little Canada 3.2 mi
• Mahtomedi 3.6 mi
• North St. Paul 3.7 mi
• North Oaks 3.7 mi
• Willernie 4.1 mi
• Pine Springs 4.5 mi
• Dellwood 4.5 mi

Our Farmington office is at 821 3rd St, Farmington, MN 55024, about 30 miles from Gem Lake. Its hours are Monday–Friday 7:00 AM–7:00 PM. You can reach that office at (651) 998-8500.

• Farmington office: address, hours and map