Gutters, roofing, siding and windows in Payne-Phalen, St. Paul, MN

• Gutters in Payne-Phalen

  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 Payne-Phalen

  17 of the 37 hail events on record within 5 miles of the center of Payne-Phalen 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 Payne-Phalen

  The strongest thunderstorm wind on record within 5 miles of the center of Payne-Phalen from 2016 through September 22, 2025 was 68 mph. The National Weather Service counts a thunderstorm wind of 58 mph or more as severe.

• Windows in Payne-Phalen

  80% of homes in ZIP code 55106 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.

Payne-Phalen is a district council area in St. Paul, in Ramsey County. Its mapped center is about 2.5 miles northeast of the center of St. Paul. From our Farmington office it is about 24 miles to the north. Its mapped boundary covers about 4.3 square miles. The center of Payne-Phalen is in ZIP code 55106. The name and location come from the City of Saint Paul district council map.

Payne-Phalen is part of St. Paul, and the city-level record applies to it: St. Paul has 307,762 residents in 123,067 households (American Community Survey 2023, 5-year).

The nearest other mapped neighborhoods, measured center to center, are Dayton's Bluff (1.1 miles south), North End (1.9 miles west), Greater East Side (2.1 miles east), Frogtown (2.6 miles west), West Side (3 miles south) and Summit-University (3.3 miles southwest).

Source: neighborhood names, centers and boundaries: City of Saint Paul district council map; distances are straight lines between mapped centers.

Our data has no housing figures for Payne-Phalen on its own. The figures below are for ZIP code 55106, which contains the center of Payne-Phalen; a ZIP code usually takes in more than one neighborhood.

ZIP code 55106 has 19,974 housing units (American Community Survey 2023, 5-year).

The median home in ZIP code 55106 was built in 1955. 80% of homes in ZIP code 55106 were built before 1980, and 9% were built in 2000 or later. The most common building period is 1939 or earlier, with 7,163 homes.

60% of occupied homes in ZIP code 55106 are owner-occupied. The median owner-occupied home in ZIP code 55106 is valued at $233,000. Among occupied homes in ZIP code 55106, 66% heat with utility gas, 29% with electricity and 3% with bottled or tank gas.

• More about ZIP code 55106

Source: American Community Survey 2023, 5-year (tables B25024, B25034, B25035, B25003, B25077, B25040), for ZIP Code Tabulation Area 55106 (not for Payne-Phalen alone).

The NOAA Storm Events Database records 37 hail events, 25 thunderstorm-wind events and 2 tornadoes within 5 miles of the center of Payne-Phalen 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 9, 2022, near St. Paul. 17 of those hail events had hail 1.5 inches or larger.

The closest event to the center of Payne-Phalen was 60 mph wind on August 26, 2024, 1.1 miles away near St. Paul. The most recent hail event within 5 miles of the center of Payne-Phalen was on July 27, 2025: 1.75 in hail near Falcon Heights. The most recent thunderstorm-wind event within 5 miles of the center of Payne-Phalen was on July 27, 2025, near West St. Paul. The strongest thunderstorm wind recorded within 5 miles of the center of Payne-Phalen in that period was 68 mph. The busiest year was 2022, with 30 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).

Payne-Phalen is in Ramsey County, so the county ratings below apply to it. 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.

Our Farmington office is at 821 3rd St, Farmington, MN 55024, about 24 miles from Payne-Phalen. 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