Gutters, roofing, siding and windows in ZIP code 56304, St. Cloud, MN

• Gutters in ZIP code 56304

  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 56304

  20 of the 49 hail events on record within 10 miles of the center of ZIP code 56304 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 56304

  The strongest thunderstorm wind on record within 10 miles of the center of ZIP code 56304 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 ZIP code 56304

  51% of homes in ZIP code 56304 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 56304 is filed here under St. Cloud, in Stearns County, Minnesota; its center is about 58 miles south of our Brainerd office. ZIP code 56304 also extends into Sherburne County and Benton County. Our address file holds 5,033 address points in ZIP code 56304. Of the cities and towns on our pages, ZIP code 56304 covers only St. Cloud.

Source: Census ZIP Code Tabulation Area, county and place boundaries (a ZIP code can also take in land outside any city or town).

ZIP code 56304 has 7,538 housing units, and 44% 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 5% of the housing units.

The median home in ZIP code 56304 was built in 1980. 51% of homes in ZIP code 56304 were built before 1980, and 21% were built in 2000 or later. The most common building period is 1970–1979, with 1,771 homes.

44% of occupied homes in ZIP code 56304 are owner-occupied. The median owner-occupied home in ZIP code 56304 is valued at $230,600. Among occupied homes in ZIP code 56304, 46% heat with utility gas, 41% with electricity, 7% 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 56304.

The nearest other ZIP codes we serve, measured center to center, are 55319 in Clear Lake (6.4 miles southeast), 56379 in Sauk Rapids (8.1 miles north), 56303 in St. Cloud (8.4 miles northwest), 55320 in Clearwater (9 miles south), 56387 in Waite Park (9.2 miles west) and 56301 in St. Cloud (9.6 miles west). The table sets ZIP code 56304 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 49 hail events, 21 thunderstorm-wind events and no tornadoes within 10 miles of the center of ZIP code 56304 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 4 inches on July 26, 2019, near Clear Lake. 20 of those hail events had hail 1.5 inches or larger.

The closest event to the center of ZIP code 56304 was 61 mph wind on May 12, 2022, 1.7 miles away near St. Cloud. The most recent hail event within 10 miles of the center of ZIP code 56304 was on July 18, 2025: 2 in hail near St. Augusta. The most recent thunderstorm-wind event within 10 miles of the center of ZIP code 56304 was on July 15, 2025, near Clear Lake. The strongest thunderstorm wind recorded within 10 miles of the center of ZIP code 56304 in that period was 70 mph. The busiest year was 2022, with 20 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 (for the city of St. Cloud).

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 St. Cloud, 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 58 miles from the center of ZIP code 56304. 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