Gutters, roofing, siding and windows in Cold Spring, MN

• Gutters in Cold Spring

  Stearns County averages 30.8 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 Cold Spring

  7 of the 12 hail events on record within 10 miles of Cold Spring 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 Cold Spring

  The strongest thunderstorm wind on record within 10 miles of Cold Spring from 2016 through September 22, 2025 was 74 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in Cold Spring

  44% of homes in ZIP code 56320 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 Cold Spring: 56320. ZIP code 56320 has 3,286 households; its median home was built in 1985, and 80% of its housing units are single-family detached. The median home value in ZIP code 56320 is $312,000, and 82% of its occupied homes are owner-occupied. The median owner-occupied home in Cold Spring is valued at $242,000.

• ZIP code 56320

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 12 hail events, 13 thunderstorm-wind events and 2 tornadoes within 10 miles of Cold Spring 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 inches on May 28, 2018, near Avon. 7 of those hail events had hail 1.5 inches or larger.

The closest event to the center of Cold Spring was 1 in hail on July 18, 2025, less than 1 mile away near Cold Spring. The most recent hail event within 10 miles of Cold Spring was on July 18, 2025: 1.75 in hail near Eden Valley. The most recent thunderstorm-wind event within 10 miles of Cold Spring was on July 28, 2025, near Cold Spring. The strongest thunderstorm wind recorded within 10 miles of Cold Spring in that period was 74 mph. The busiest year was 2016, with 6 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).

Stearns County has 66,211 housing units, and 69% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 4% are attached homes such as townhomes. Mobile homes make up 2% of the housing units.

The median home in Stearns County was built in 1984. 45% of homes in Stearns County were built before 1980, and 27% were built in 2000 or later. The most common building period is 2000–2009, with 11,318 homes.

68% of occupied homes in Stearns County are owner-occupied. The median owner-occupied home in Stearns County is valued at $256,500. Among occupied homes in Stearns County, 52% heat with utility gas, 28% with electricity, 14% with bottled or tank gas, 2% with fuel oil and 2% with wood.

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

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

Cold Spring is in Stearns County, so the county ratings below apply to it. Stearns County scores 96.5 of 100 for hail in FEMA's National Risk Index, which ranks 4th of 87 Minnesota counties. Stearns County scores 97.6 of 100 for strong wind in FEMA's National Risk Index, which ranks 6th of 87 Minnesota counties. Stearns County scores 92.3 of 100 for winter weather in FEMA's National Risk Index, which ranks 6th of 87 Minnesota counties. Of the perils listed here, the highest score in Stearns County is for strong wind, at 97.6 of 100.

Stearns County averages 30.8 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Stearns County is 43.1°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 Richmond (4.1 miles), Rockville (5.2 miles), St. John's University (8.6 miles), St. Joseph (9.6 miles), Watkins (9.9 miles), Waite Park (9.9 miles), Roscoe (10 miles) and Avon (11 miles). The other Stearns County communities we serve are Albany, Avon, Belgrade, Brooten, Elrosa, Fairhaven, Freeport, Greenwald, Holdingford, Kimball, Lake Henry, Meire Grove, Melrose, New Munich, Paynesville, Richmond, Rockville, Roscoe, Sartell, Sauk Centre, Spring Hill, St. Anthony, St. Augusta, St. Cloud, St. John's University, St. Joseph, St. Martin, St. Rosa, St. Stephen and Waite Park.

• Richmond 4.1 mi
• Rockville 5.2 mi
• St. John's University 8.6 mi
• St. Joseph 9.6 mi
• Watkins 9.9 mi
• Waite Park 9.9 mi
• Roscoe 10 mi
• Avon 11 mi
• Eden Valley 11 mi
• St. Augusta 11 mi

Our Brainerd office is at 217 S 7th St, Brainerd, MN 56401, about 63 miles from Cold Spring. 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