Gutters, roofing, siding and windows in ZIP code 56320, Cold Spring, MN

• Gutters in ZIP code 56320

  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 ZIP code 56320

  8 of the 13 hail events on record within 10 miles of the center of ZIP code 56320 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 56320

  The strongest thunderstorm wind on record within 10 miles of the center of ZIP code 56320 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 ZIP code 56320

  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.

ZIP code 56320 is filed here under Cold Spring, in Stearns County, Minnesota; its center is about 63 miles south of our Brainerd office. Our address file holds 3,702 address points in ZIP code 56320. ZIP code 56320 reaches into 2 cities and towns on our pages: Cold Spring (1,778 address points) and Rockville (218). Cold Spring holds the most of its address points, so this page sits under Cold Spring.

Source: Census ZIP Code Tabulation Areas and address points (a ZIP code can also take in land outside any city or town).

ZIP code 56320 has 3,630 housing units, and 80% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 5% are attached homes such as townhomes. Mobile homes make up 3% of the housing units.

The median home in ZIP code 56320 was built in 1985. 44% of homes in ZIP code 56320 were built before 1980, and 25% were built in 2000 or later. The most common building period is 1970–1979, with 700 homes.

82% of occupied homes in ZIP code 56320 are owner-occupied. The median owner-occupied home in ZIP code 56320 is valued at $312,000. Among occupied homes in ZIP code 56320, 54% heat with utility gas, 20% with electricity, 23% with bottled or tank gas, 1% with fuel oil and 1% with wood.

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040), for ZIP Code Tabulation Area 56320.

The nearest other ZIP codes we serve, measured center to center, are 56368 in Richmond (6 miles west), 56301 in St. Cloud (8.6 miles east), 56387 in Waite Park (9.8 miles northeast), 56374 in St. Joseph (11 miles north), 55353 in Kimball (11 miles southeast) and 55389 in Watkins (11 miles south). The table sets ZIP code 56320 beside the 8 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 13 hail events, 14 thunderstorm-wind events and 2 tornadoes within 10 miles of the center of ZIP code 56320 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 12, 2022, near St. John's University. 8 of those hail events had hail 1.5 inches or larger.

The closest event to the center of ZIP code 56320 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 the center of ZIP code 56320 was on July 18, 2025: 1.75 in hail near Eden Valley. The most recent thunderstorm-wind event within 10 miles of the center of ZIP code 56320 was on July 28, 2025, near Cold Spring. The strongest thunderstorm wind recorded within 10 miles of the center of ZIP code 56320 in that period was 74 mph. The busiest year was 2022, 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).

This page is filed under Cold Spring, which is in Stearns County; the ratings below are that county's. 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.

Our Brainerd office is at 217 S 7th St, Brainerd, MN 56401, about 63 miles from the center of ZIP code 56320. 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