ZIP code 55304, covering Ham Lake, MN, has 143 natural disaster events in the historical record. These include 120 hailstorms, 12 tornadoes, and 6 severe wind events. Total documented property damage amounts to $255M. These events have resulted in 5 recorded deaths and 22 injuries.
With 120 recorded incidents (84% of all events), hailstorms are the leading natural hazard for this ZIP code. Of these, 3 (3%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for hail-related events here is 4/5 (severe). Hail-related events have caused a combined $41M in documented property damage. The most recent recorded hailstorm occurred on Aug 15, 2025.
There have been 12 recorded tornadoes in this area, representing 8% of all disaster events. Of these, 3 (25%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for tornado-related events here is 5/5 (extreme). Tornado-related events have caused a combined $12.3M in documented property damage. 1 fatality has been attributed to tornadoes in this area. The most recent recorded tornado occurred on Aug 29, 2024.
Ham Lake has experienced 6 severe wind events on record. Wind-related events have caused a combined $100K in documented property damage. The most recent recorded severe wind event occurred on Aug 29, 2024.
Ham Lake has experienced 4 floods on record. Of these, 3 (75%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for flood-related events here is 5/5 (extreme). Flood-related events have caused a combined $201.5M in documented property damage. 3 fatalities have been attributed to floods in this area. The most recent recorded flood occurred on Sep 21, 2016.
Ham Lake has experienced 1 extreme heat event on record. 1 fatality has been attributed to extreme heat events in this area. The most recent recorded extreme heat event occurred on Aug 1, 2001.
The most significant disaster event on record for Ham Lake was Flood on Apr 1, 2001, which caused $200M in property damage and was linked to 3 fatalities. Another major event was 2" Hail (Aug 24, 2006), causing $20M in damages. 2.8" Hail on Aug 24, 2006 also caused significant damage ($20M).
Explore disaster history for adjacent areas
Based on federal and state records, ZIP code 55304 has experienced 143 natural disaster events. The hazard types affecting this area include hailstorms (120 events), tornadoes (12 events), severe wind events (6 events), floods (4 events), and extreme heat event (1 event). The primary hazard is hailstorms, which account for 84% of all recorded events.
Hailstorms are the most frequently recorded hazard in Ham Lake, MN, with 120 events documented. These events have caused a combined $41M in property damage.
Yes, Ham Lake (ZIP 55304) has 4 recorded flood events. These floods have caused $201.5M in total property damage. The most recent flood on record occurred on Sep 21, 2016.
Ham Lake has 12 recorded tornado events in the historical record. The strongest tornado recorded reached severity level 5/5 on the normalized scale. Total property damage from tornadoes in this area is $12.3M. The most recent tornado was recorded on Aug 29, 2024.
The most damaging natural disaster on record for ZIP code 55304 was Flood, which occurred on Apr 1, 2001. This event caused $200M in documented property damage. It resulted in 3 reported fatalities. It was rated at severity level 5/5.
Natural disasters have caused a documented total of $255M in property damage in the Ham Lake, MN area (ZIP 55304). This figure is based on historical records from FEMA, NOAA Storm Events Database, and USGS, and covers events from the 1950s through the present. Actual damages may be higher, as not all events have complete damage assessments.
Data sourced from FEMA (disaster declarations, NFIP flood claims), NOAA Storm Events Database, USGS Earthquake Hazards Program, and NIFC wildfire records. Historical coverage varies by source, with most records beginning in the 1950s–1970s. Full methodology →