ZIP Code 56641 — Federal Dam city, MN Demographics & Data

ZIP code 56641 covers Federal Dam, MN in Cass County with a population of about 359.

At a glance, the area shows median age of 43.9 versus a U.S. median of about 38.9.

It sits in telephone area code 218; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 56641 is about $46,250 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.3%; unemployment rate near 25.6%; 12.2% of adults with a bachelor’s degree or higher (about 21.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Healthcare; about 10.1% of workers reporting work-from-home (about 5.1 points below the U.S. share (15.2%)); a mean commute of about 89.0 minutes (U.S. average near 26.8).

Median home value is about $166,400 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.8% (about 9.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56641 in Federal Dam, MN, a household would need roughly $46,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,069. That is roughly in line with the local median household income ($46,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Federal Dam city, MN as Relatively Low (composite score 53.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (63.2) and flood (63.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Federal Dam city, MN show little to no average snow and around 26.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 56641 (Federal Dam city, MN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.