Gutters, roofing, siding and windows in St. Cloud, MN

• Gutters in St. Cloud

  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 St. Cloud

  17 of the 55 hail events on record within 10 miles of St. Cloud 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 St. Cloud

  The strongest thunderstorm wind on record within 10 miles of St. Cloud 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 St. Cloud

  49% of homes in the 3 ZIP codes that cover St. Cloud 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 3 ZIP codes of St. Cloud: 56303, 56301 and 56304. ZIP code 56303 has 11,144 households; its median home was built in 1978, and 64% of its housing units are single-family detached. The median home value in ZIP code 56303 is $197,900, and 62% of its occupied homes are owner-occupied. ZIP code 56301 has 12,597 households; its median home was built in 1984, and 52% of its housing units are single-family detached. The median home value in ZIP code 56301 is $262,500, and 51% of its occupied homes are owner-occupied. The median owner-occupied home in St. Cloud is valued at $212,800. Each ZIP code in the table links to its own page; a ZIP code shared with a neighboring city has one page, under the city that holds the largest part of it.

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 55 hail events, 40 thunderstorm-wind events and no tornadoes within 10 miles of St. Cloud 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 August 28, 2021, near Sauk Rapids. 17 of those hail events had hail 1.5 inches or larger.

The closest event to the center of St. Cloud was 1 in hail on May 12, 2022, less than 1 mile away near St. Cloud. The most recent hail event within 10 miles of St. Cloud was on July 18, 2025: 1 in hail near St. Augusta. The most recent thunderstorm-wind event within 10 miles of St. Cloud was on July 15, 2025, near Clear Lake. The strongest thunderstorm wind recorded within 10 miles of St. Cloud in that period was 70 mph. The busiest year was 2022, with 26 events in all.

Apart from those database entries, NOAA weather radar indicated hail of 1 inch or larger over St. Cloud on 1 day from January 2025 on, most recently July 4, 2026. A radar indication is an estimate, not a report from the ground, and the counts and tables on this page do not include it.

Source: NOAA Storm Events Database (hail events through March 31, 2026; thunderstorm-wind and tornado events through September 22, 2025); NOAA MRMS radar hail estimates.

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).

St. Cloud 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 Waite Park (3.9 miles), Sauk Rapids (4.5 miles), St. Augusta (6 miles), Sartell (6.3 miles), St. Joseph (6.7 miles), Rockville (8.7 miles), Clear Lake (10 miles) and Clearwater (11 miles). The other Stearns County communities we serve are Albany, Avon, Belgrade, Brooten, Cold Spring, 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. John's University, St. Joseph, St. Martin, St. Rosa, St. Stephen and Waite Park.

• Waite Park 3.9 mi
• Sauk Rapids 4.5 mi
• St. Augusta 6 mi
• Sartell 6.3 mi
• St. Joseph 6.7 mi
• Rockville 8.7 mi
• Clear Lake 10 mi
• Clearwater 11 mi
• St. John's University 11 mi
• St. Stephen 13 mi

Our Brainerd office is at 217 S 7th St, Brainerd, MN 56401, about 57 miles from St. Cloud. 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