Gutters, roofing, siding and windows in ZIP code 55104, St. Paul, MN

• Gutters in ZIP code 55104

  Ramsey County averages 33 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 55104

  50 of the 133 hail events on record within 10 miles of the center of ZIP code 55104 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 55104

  The strongest thunderstorm wind on record within 10 miles of the center of ZIP code 55104 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 55104

  86% of homes in ZIP code 55104 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 55104 is filed here under St. Paul, in Ramsey County, Minnesota; its center is about 22 miles north of our Farmington office. Our address file holds 13,962 address points in ZIP code 55104. Of the cities and towns on our pages, ZIP code 55104 covers only St. Paul.

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 55104 has 20,358 housing units, and 52% of them are single-family detached homes (American Community Survey 2023, 5-year). Another 3% are attached homes such as townhomes.

The median home in ZIP code 55104 was built in 1939 or earlier. 86% of homes in ZIP code 55104 were built before 1980, and 9% were built in 2000 or later. The most common building period is 1939 or earlier, with 12,190 homes.

54% of occupied homes in ZIP code 55104 are owner-occupied. The median owner-occupied home in ZIP code 55104 is valued at $290,900. Among occupied homes in ZIP code 55104, 77% heat with utility gas, 18% with electricity, 2% with bottled or tank gas and 1% with wood.

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040), for ZIP Code Tabulation Area 55104.

The nearest other ZIP codes we serve, measured center to center, are 55105 in St. Paul (1.4 miles south), 55114 in St. Paul (1.7 miles northwest), 55108 in St. Paul (1.9 miles north), 55103 in St. Paul (2 miles east), 55102 in St. Paul (2.5 miles southeast) and 55406 in Minneapolis (3 miles west). The table sets ZIP code 55104 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 133 hail events, 95 thunderstorm-wind events and 3 tornadoes within 10 miles of the center of ZIP code 55104 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 August 11, 2023, near Minneapolis. 50 of those hail events had hail 1.5 inches or larger.

The closest event to the center of ZIP code 55104 was 1 in hail on May 19, 2022, 1.1 miles away near Falcon Heights. The most recent hail event within 10 miles of the center of ZIP code 55104 was on September 21, 2025: 1 in hail near South St. Paul. The most recent thunderstorm-wind event within 10 miles of the center of ZIP code 55104 was on July 28, 2025, near Richfield. The strongest thunderstorm wind recorded within 10 miles of the center of ZIP code 55104 in that period was 70 mph. The busiest year was 2022, with 70 events in all.

Apart from those database entries, NOAA weather radar indicated hail of 1 inch or larger over St. Paul on 3 days from January 2025 on, most recently June 19, 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. Paul).

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. Paul, which is in Ramsey County; the ratings below are that county's. Ramsey County scores 99 of 100 for hail in FEMA's National Risk Index, which ranks 2nd of 87 Minnesota counties. Ramsey County scores 90.8 of 100 for strong wind in FEMA's National Risk Index, which ranks 11th of 87 Minnesota counties. Ramsey County scores 92.2 of 100 for winter weather in FEMA's National Risk Index, which ranks 7th of 87 Minnesota counties. Of the perils listed here, the highest score in Ramsey County is for cold wave, at 99.1 of 100.

Ramsey County averages 33 inches of precipitation a year (NOAA 1991–2020 normals). The average annual temperature in Ramsey County is 45.4°F.

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

Mapped neighborhoods whose center falls in ZIP code 55104: Hamline-Midway and Union Park.

• Hamline-Midway St. Paul
• Union Park St. Paul

Source: neighborhood names and centers: City of Minneapolis, City of Saint Paul and OpenStreetMap contributors (ODbL).

Our Farmington office is at 821 3rd St, Farmington, MN 55024, about 22 miles from the center of ZIP code 55104. Its hours are Monday–Friday 7:00 AM–7:00 PM. You can reach that office at (651) 998-8500.

• Farmington office: address, hours and map