Gutters, roofing, siding and windows in ZIP code 55972, St. Charles, MN

• Gutters in ZIP code 55972

  Winona County averages 37.6 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 55972

  5 of the 21 hail events on record within 10 miles of the center of ZIP code 55972 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 55972

  The strongest thunderstorm wind on record within 10 miles of the center of ZIP code 55972 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 55972

  54% of homes in ZIP code 55972 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 55972 is filed here under St. Charles, in Winona County, Minnesota; its center is about 24 miles east of our Rochester office. ZIP code 55972 also extends into Olmsted County. ZIP code 55972 reaches into 2 cities and towns on our pages: St. Charles and Dover. St. Charles holds the largest part of it, so this page sits under St. Charles.

• Dover

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 55972 has 2,134 housing units, and 82% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 3% are attached homes such as townhomes. Mobile homes make up 1% of the housing units.

The median home in ZIP code 55972 was built in 1976. 54% of homes in ZIP code 55972 were built before 1980, and 20% were built in 2000 or later. The most common building period is 1939 or earlier, with 582 homes.

84% of occupied homes in ZIP code 55972 are owner-occupied. The median owner-occupied home in ZIP code 55972 is valued at $256,000. Among occupied homes in ZIP code 55972, 66% heat with utility gas, 13% with electricity, 14% with bottled or tank gas, 2% with fuel oil and 4% with wood.

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040), for ZIP Code Tabulation Area 55972.

The nearest other ZIP codes we serve, measured center to center, are 55929 in Dover (4.8 miles west), 55910 in Altura (10 miles north), 55969 in Rollingstone (11 miles northeast), 55934 in Eyota (11 miles west), 55952 in Lewiston (11 miles east) and 55923 in Chatfield (12 miles southwest). The table sets ZIP code 55972 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 21 hail events, 23 thunderstorm-wind events and 5 tornadoes within 10 miles of the center of ZIP code 55972 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 13, 2023, near Altura. 5 of those hail events had hail 1.5 inches or larger.

The closest event to the center of ZIP code 55972 was 1 in hail on April 4, 2023, 1.7 miles away near St. Charles. The most recent hail event within 10 miles of the center of ZIP code 55972 was on July 31, 2024: 1 in hail near Elba. The most recent thunderstorm-wind event within 10 miles of the center of ZIP code 55972 was on May 15, 2025, near Lewiston. The strongest thunderstorm wind recorded within 10 miles of the center of ZIP code 55972 in that period was 70 mph. The busiest year was 2022, with 10 events in all.

Apart from those database entries, NOAA weather radar indicated hail of 1 inch or larger over St. Charles on 1 day from January 2025 on, most recently August 18, 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. Charles).

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. Charles, which is in Winona County; the ratings below are that county's. Winona County scores 84.1 of 100 for hail in FEMA's National Risk Index, which ranks 15th of 87 Minnesota counties. Winona County scores 45.2 of 100 for strong wind in FEMA's National Risk Index, which ranks 53rd of 87 Minnesota counties. Winona County scores 64.7 of 100 for winter weather in FEMA's National Risk Index, which ranks 47th of 87 Minnesota counties. Of the perils listed here, the highest score in Winona County is for hail, at 84.1 of 100.

Winona County averages 37.6 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Winona County is 45.5°F.

Source: FEMA National Risk Index, 2026 release; rank among the state's counties computed from the scores; NOAA 1991–2020 climate normals.

Our Rochester office is at 3470 55th St NW, Rochester, MN 55901, about 24 miles from the center of ZIP code 55972. Its hours are Monday–Friday 7:00 AM–7:00 PM. You can reach that office at (507) 606-2707.

• Rochester office: address, hours and map