Cloquet, MN (55720): PFAS Detected — 81/100 (2026)
EPA data for Cloquet
For 55720 in Cloquet, MN, 2 EPA violations appear on record — none are health-based.
Data source: U.S. Environmental Protection Agency (EPA) SDWIS Last verified: April 2, 2026
Key Findings
5 other areas checked — no concerns found.
At a Glance
- Water EPA records show 2 violations (non-health) on the water system serving this ZIP (5-year window).
- Lead Lead reading of 0.003 mg/L is well below EPA action level.
- PFAS PFAS detected below MCL in UCMR5 sampling.
- Radon EPA Zone 2 — moderate predicted indoor radon (2–4 pCi/L).
- Flood 2 cumulative NFIP flood claims — limited flood history.
Composite Home Safety Score has been stable over the tracking period.
What’s Happening in Cloquet, Minnesota
PFAS (forever chemicals) have been detected in the local water supply.
Have your pipes inspected for lead solder
71% of homes in this ZIP were built before 1986, when lead solder was banned. Older plumbing may leach lead into drinking water, especially in the morning or after standing overnight.
Recommended Buyer Guides for This ZIP
Independent guides — grounded in EPA, NSF, FEMA, and CDC standards. Matched to risks detected in your area.
- Best Water Filters for Lead — Lead detection or pre-1986 plumbing
- Best Lead Paint Test Kits — Pre-1978 home risk
- Best Water Filters for PFAS — PFAS detected in supply
- Best Under-Sink Reverse Osmosis Systems — Multi-contaminant removal
This Summer — what to check
Season-specific maintenance for home safety. Universal tasks — apply everywhere unless noted.
-
Water Heater
Flush sediment (1–2×/year). Cuts energy use and prevents bacterial growth in low-use hot-water pockets.
Source: DOE -
Wildfire & Smoke
Clear leaves and debris from gutters and the 30-ft home-ignition zone. Replace HVAC filters with MERV 13+.
Source: Firewise -
HVAC Filter
Peak AC run. Replace filters monthly during high pollen / wildfire-smoke days; standard interval otherwise.
Source: EPA IAQ
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How Cloquet Compares
Safety Score vs. Carlton County and Minnesota averages
| Metric | Cloquet | Carlton County | Minnesota |
|---|---|---|---|
| Safety Score | 81 | 70 | 62 |
| EPA Violations (total) | 2 | 0.6 | 0.9 |
| Lead (ppb) | 3 | 4.2 | 3.4 |
County and state averages computed from 41,344 ZIP codes. Data: EPA SDWIS.
Each number below connects you directly to a licensed specialist contractor in your area. Calls are free.
Active extreme weather alert for Minnesota
Median home age: 65 years — HVAC systems likely at or past typical lifespan
HVAC system risk rated HIGH based on housing stock age
See incorrect data? Let us know
Check the list below — 1 high-priority alert on file for Cloquet (55720), zero critical.
🔍Key Insights for Cloquet 55720
Derived from EPA, Census, FEMA, and EIA data — exclusive to ZipCheckup
Score Breakdown
How your Home Safety Score of 79 is calculated.
Score has been stable — no change in the last 90 days.
Safety & Health (10) HIGH
Compliance Alerts for 55720
5 issues flagged based on EPA data, state regulations, and housing age estimates.
Estimates based on EPA data, U.S. Census ACS housing vintage, and state regulations. Individual homes may vary.
Compliance Risk Forecast
Probability of future drinking water violations based on historical patterns, enforcement trends, and system size.
29% probability of new violation within 2 years
Based on 0.17 events/year rate. Model uses Poisson distribution with trend and system-size adjustments.
Service Disruption Risk
Elevated40% estimated probability of a boil water advisory or service interruption in the next 90 days.
Based on infrastructure age, EPA violation history, flood exposure, and seasonal patterns.
Estimates based on EPA enforcement data, U.S. Census ACS housing vintage, and FEMA flood claims. Not a guarantee of disruption.
Your Water System
ZIP code 55720 in Cloquet, Minnesota is served by Cloquet (EPA ID: MN1090005). This system provides water to approximately 12,864 people from groundwater sources.
There are 3 community water systems serving this area.
Home Safety Score: B (81/100)
Based on water quality violations, lead levels, and radon risk in your area. This score is better than 76% of ZIP codes nationally and 94% in Minnesota.
| Factor | Status | Details |
|---|---|---|
| Water Quality | warning | 2 violations, 0 health-based |
| Lead in Water | safe | 0.003 mg/L (EPA action level: 0.015 mg/L) |
| Radon Risk | Moderate | Zone 2 |
| Gas Safety | low | 0 incidents, score 0/100 |
| Wildfire Smoke | moderate | score 26/100, 59 county fires (5yr) |
| Earthquake Risk | Very Low | score 0.4/50 |
| Superfund NPL | Low | nearest 15.3 mi (Arrowhead Refinery Co.), 0 sites within 10 km |
Lead & Copper in Your Water
The EPA requires water systems to monitor lead and copper levels under the Lead and Copper Rule.
| Metal | Measured Level | EPA Action Level | Status | Sample Date |
|---|---|---|---|---|
| Lead | 0.003 mg/L | 0.015 mg/L | Within limit | N/A |
Radon Risk
Radon Zone 2 — Moderate potential (Carlton County)
EPA recommends homes consider radon testing. Zone 2 indicates moderate radon potential (predicted average indoor radon screening level between 2 and 4 pCi/L).
CO & Gas Safety
Gas Distribution Risk: Low (score: 0/100)
No gas distribution incidents recorded in this county since 2004.
The CPSC recommends CO detectors on every level of your home. Have gas appliances inspected annually by a licensed technician.
Wildfire & Smoke Risk
Smoke Risk: Moderate (score: 26/100)
59 wildfires recorded in this county over the past 5 years. Nearest recent wildfire: 39 km (24 miles).
Monitor air quality at AirNow.gov during fire season (June–November). A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events.
Earthquake & Seismic Risk
Risk Rating: Very Low (score: 0.4/50)
| Metric | Value |
|---|---|
| Risk Score | 0.4 |
| Risk Rating | Very Low |
| Annual Frequency | < 0.001 damaging events/yr |
| Expected Annual Loss | $908 (Very Low) |
Monitor seismic activity at the USGS Earthquake Map. Secure heavy furniture, maintain an emergency kit, and know your gas shutoff location.
Superfund Site Proximity
Proximity Risk: Low (score: 17/100)
Nearest NPL site: Arrowhead Refinery Co. at 15.3 miles (24.7 km).
| Radius | NPL Sites |
|---|---|
| Within 5 km (3.1 mi) | 0 |
| Within 10 km (6.2 mi) | 0 |
| Within 25 km (15.5 mi) | 1 |
Nearest NPL Sites
- Arrowhead Refinery Co. — 15.3 mi (Deleted), listed 09/21/1984
Search nearby sites at the EPA Superfund Site Search. If you garden or use well water near an NPL site, consider soil and water testing.
Violation Summary
Recent Violations
| Date | Contaminant | Type | Status |
|---|---|---|---|
| January 1, 2025 | Revised Total Coliform Rule | Monitoring | Unresolved |
Contaminants Detected
The following contaminants have been flagged in EPA records for water systems serving this ZIP code:
| Contaminant | Category | Violations | Health-Based |
|---|---|---|---|
| Stage 1 DBP Rule | Treatment Technique | 1 | No |
| Revised Total Coliform Rule | Microbiological | 1 | No |
PFAS Contamination
PFAS detected: PFOS, PFHxS.
Highest measured level: 0.0084 µg/L across all detected compounds.
PFAS (per- and polyfluoroalkyl substances) are a group of synthetic chemicals that do not break down in the environment or the human body. Long-term exposure has been linked to immune system effects, hormone disruption, and increased cancer risk.
Recommended filtration: Reverse osmosis (RO) or activated carbon block filters certified NSF/ANSI 58 or NSF/ANSI 53 are the most effective at reducing PFAS in drinking water.
Learn more about PFAS in drinking water →
Energy Costs in MN
Residential electricity rate: 14.98¢/kWh — 12% below the national average (17.0¢/kWh).
Lower electricity rates in Minnesota make electric appliances and heat pumps a cost-effective choice compared to other states.
Energy Sources
Minnesota generates 31.9% of its electricity from renewable sources — 5% above the national average of 26.9%. Including nuclear, 53.6% of the state's power is carbon-free (EIA 2025).
| Source | Share |
|---|---|
| Wind | 25.2% |
| Coal | 23.2% |
| Nuclear | 21.7% |
| Natural gas | 20.8% |
| Solar | 5.2% |
| Hydroelectric | 1.5% |
Need help with your water quality?
Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400
Find the Right Water FilterFree tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.
Water Systems Serving This Area
| System Name | EPA ID | Population | Source |
|---|---|---|---|
| Cloquet | MN1090005 | 12,864 | Groundwater |
| Scanlon | MN1090011 | 1,003 | Groundwater |
| Carlton | MN1090003 | 1,146 | Groundwater |
What You Can Do
- Review your annual Consumer Confidence Report (CCR) — Your utility publishes this each July
- Test your home's water — Especially if you have older plumbing (pre-1986) that may contain lead
- Stay informed — Bookmark this page to check for updates on your water quality
Need help with water testing or filtration?
Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400
Find the Right Water FilterFree tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.
Other Water Quality Reports in Minnesota
- 55001 (Afton)
- 55002 (Almelund)
- 55003 (Bayport) — 1 violation
- 55005 (Bethel)
- 55006 (Braham)
- 55007 (Brook Park) — 2 violations
- 55008 (Cambridge)
- 55009 (Cannon Falls)
- 55010 (Castle Rock)
- 55011 (Cedar)
- 55012 (Center City) — 1 violation
- 55013 (Chisago City)
- 55014 (Circle Pines)
- 55016 (Cottage Grove) — 1 violation
- 55017 (Dalbo)
- 55018 (Dennison) — 3 violations
- 55019 (Dundas) — 4 violations
- 55020 (Elko New Market)
- 55021 (Faribault) — 2 violations
- 55024 (Farmington)
Nearby Water Quality Reports
- 55711 (Brookston) — 8 mi
- 55718 (Carlton) — 8 mi
- 55780 (Sawyer) — 9 mi
- 55733 (Esko) — 9 mi
- 55779 (Saginaw) — 11 mi
- 55791 (Twig) — 13 mi
- 55810 (Duluth) — 13 mi
- 55797 (Wrenshall) — 14 mi
- 55702 (Alborn) — 15 mi
- 55808 (Duluth) — 16 mi
Data Sources
This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View the full compliance record for Cloquet (MN1090005) on EPA.gov.
Frequently Asked Questions
Is the tap water in 55720 safe to drink?
Based on EPA records, the water system serving ZIP code 55720 has only monitoring/reporting violations, which are procedural in nature. However, individual home conditions (old pipes, well water) can affect quality.
Where does 55720's water come from?
The primary water source for this area is groundwater. Cloquet serves approximately 12,864 people.
How can I get my water tested?
Contact your local water utility for a free water quality report, or hire a certified lab for independent home water testing. The EPA recommends testing annually if you use a private well.
Does 55720 have lead in the water?
Lead and Copper Rule sampling data for ZIP code 55720 shows a lead level of 0.003 mg/L, which is below the EPA action level of 0.015 mg/L. Still, older homes with lead service lines or pre-1986 plumbing may have higher levels at individual taps.
What is the radon risk in 55720?
ZIP code 55720 (Carlton County) falls in EPA Radon Zone 2, indicating moderate radon potential. Zone 2 areas have moderate radon potential, and the EPA recommends considering radon testing for homes in this area.
USGS reports that 5 of the top compounds applied across the surrounding county are flagged by the EPA for drinking-water monitoring — see the agricultural pesticide-use section
Contaminant Stress Analysis
Statistical envelope (p10/p50/p90) of measured contaminant levels compared to EPA Maximum Contaminant Levels (MCL). Based on enforcement and compliance monitoring data.
All measured values of Lead (LCR 90th) remain below the MCL of 15 PPB.
Score History
Tracking since 2026-03-18 · 54 data points
Safety Score Timeline
Environmental Incidents
Enforcement Actions
Understanding EPA Enforcement
- MCL Violation — Contaminant exceeded the Maximum Contaminant Level set by EPA
- Treatment Technique (TT) — Water system failed to follow required treatment methods
- Formal Enforcement — EPA or state issued a legal order (administrative order, court action, or compliance order)
- Resolved — The water system returned to compliance
Source: EPA Enforcement and Compliance History Online (ECHO). Data from the Safe Drinking Water Information System (SDWIS). Updated quarterly.
PFAS Contamination Detected
PFAS ("forever chemicals") have been detected in water systems serving ZIP code 55720.
Detected compounds: PFOS, PFHxS.
Highest measured level: 0.0084 µg/L
Reverse osmosis (RO) and activated carbon block filters certified NSF/ANSI 58 or NSF/ANSI 53 are the most effective at reducing PFAS levels at the tap.
Consumer Confidence Report
2024 ReportAnnual water quality report published by Cloquet for ZIP code 55720.
Key Contaminants
| Contaminant | Level | MCL | Status |
|---|---|---|---|
| Perfluorooctanesulfonate (PFOS) | 11 ppt | 4 ppt | Exceeds MCL |
What Is a Consumer Confidence Report?
Every community water system in the U.S. is required by the EPA to publish an annual Consumer Confidence Report (CCR), also known as a Water Quality Report. It lists all detected contaminants, their levels compared to federal limits (MCLs), and information about where your water comes from.
How to Read Your CCR
- MCL (Maximum Contaminant Level) — the highest level of a contaminant allowed in drinking water
- MCLG (Maximum Contaminant Level Goal) — the level below which there is no known health risk
- Action Level — used for lead and copper; triggers treatment if exceeded at the 90th percentile
- A violation means detected levels exceeded the MCL — your utility must notify you and take corrective action
Childhood Environmental Risk Score — 55720
Moderate RiskThis ZIP's score is higher than 21% of U.S. ZIP codes and 35% of those in Minnesota — a relative ranking, not a verdict on any home.
Risk Factor Breakdown
Housing age is the largest contributor to this ZIP's score. Homes built before 1978 are more likely to contain lead paint, and chips and dust are a common exposure path for young children. The EPA recommends a lead-paint inspection before renovating an older home.
- Children under 6 are most vulnerable to lead exposure — there is no safe level of lead in blood
- Test your home's drinking water, especially if your home was built before 1986
What families can do
Here are calm, practical steps families in this ZIP can consider — informational guidance, not cause for alarm.
No specific actions are flagged for this ZIP. The general guidance above still applies to every family.
Know a family in 55720? A free 30-second ZIP check shows them the same lead, water, and housing data.
Lead Pipe Replacement Funding for Minnesota
Key LCRI Deadlines
What This Means for You
- If your home was built before 1986, it may have lead service lines
- Your water utility is required to inventory and replace lead lines at no cost to you
- Contact your water utility to check if your address is in their inventory
Source: EPA DWSRF Lead Service Line Replacement Program, FY2025 Allotment Memorandum.
Active Alerts in Minnesota
0 active weather alerts in Minnesota. Severe weather can affect your water quality and home safety.
Environmental Hazards (10) MODERATE
Flood Risk Profile
FEMA Flood Zones Explained
- Zone A / AE — High-risk (100-year floodplain). Flood insurance required for federally backed mortgages
- Zone V / VE — High-risk coastal area with wave action. Strictest building requirements
- Zone X — Moderate-to-low risk (500-year floodplain or minimal flood hazard)
- Zone B / C — Areas of moderate or minimal flood hazard
Air Quality for 55720
Air quality is acceptable. However, there may be a risk for some people, particularly those who are unusually sensitive to air pollution. Consider reducing prolonged outdoor exertion if you experience symptoms.
Termite Risk for 55720
Slight Risk ZoneNot required for VA loans (low TIP zone); optional
No mandatory inspection; low termite risk
Termite Damage in the U.S.
- Termites cause an estimated $5 billion in property damage annually in the United States, according to the USDA.
- Standard termite treatment costs $225–$2,500; fumigation for severe infestations: $2,000–$8,000.
- Homeowner insurance typically does not cover termite damage, as it is considered preventable.
What Homeowners Should Know
- Annual termite inspections are recommended in moderate-to-heavy risk zones. Early detection can prevent thousands in repair costs.
- VA and FHA loans require a clear NPMA-33 (Wood Destroying Insect Inspection Report) for closing in most states.
- Warning signs: mud tubes on foundation walls, hollow-sounding wood, discarded wings near windows, and frass (droppings) near baseboards.
- Preventive treatment ($200–$900 per year) is far less expensive than structural damage repair, which averages $3,000 and can exceed $50,000.
- Even in lower-risk zones, subterranean termites can be active. Consider an inspection if purchasing an older home or if you notice warning signs.
Source: USDA Forest Service Termite Infestation Probability (TIP) zones, VA/FHA lender requirements, Minnesota pest control regulations. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.
Pest Risk for 55720
Moderate Pest Pressureticks, mosquitoes, bed bugs, carpenter ants and rodents
- Lyme disease endemic area
- West Nile activity zone
Required for VA loans in all states; not state-mandated
Up to $10,000 per violation
Why This Matters
- Health risks: Mosquitoes transmit West Nile virus (1,000+ U.S. cases annually). Ticks spread Lyme disease (estimated 476,000 cases/year per CDC). Rodent droppings can carry hantavirus.
- Property damage: Carpenter ants and termites cause billions in structural damage annually. Rodents gnaw wiring, creating fire hazards.
- Food safety: Cockroaches and rodents contaminate food preparation areas and can trigger allergies and asthma, especially in children.
- Minnesota experiences seasonal pest pressure peaks. Annual inspections help catch infestations early before they become costly.
Common Questions
Source: CDC vector-borne disease surveillance, EPA pesticide regulation data, Minnesota pest control board, NPMA pest prevalence maps. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.
Wildfire & Smoke Risk Profile
Wildfire Smoke Safety Tips
- Air purifier with HEPA filter: run in the room where you spend the most time. Close windows and doors during smoke events.
- N95 or KN95 masks: standard cloth and surgical masks do not filter fine particulate matter (PM2.5) from wildfire smoke.
- Seal gaps: use wet towels or tape around doors and windows to reduce smoke infiltration during poor air quality days.
- Monitor AQI: check AirNow.gov daily during fire season. AQI above 100 = unhealthy for sensitive groups; above 150 = unhealthy for everyone.
- Create a clean room: designate one room with the air purifier running, keep it sealed, and limit time outdoors when AQI is elevated.
Protect Your Indoor Air from Wildfire Smoke
A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events. Portable units for a single room start at $80. Whole-home solutions start at $300.
Product links may earn a commission — see our disclosure.
Earthquake & Seismic Risk Profile
Earthquake Preparedness Tips
- Secure heavy furniture: anchor bookshelves, water heaters, and large appliances to wall studs. Unsecured items cause most earthquake injuries.
- Emergency kit: water (1 gallon per person per day for 3 days), non-perishable food, flashlight, batteries, first aid kit, wrench to turn off gas. Keep kits at home and in your car.
- Know how to shut off gas: locate the gas meter shutoff valve and keep a wrench nearby. Gas leaks are a leading cause of post-earthquake fires.
- Drop, Cover, Hold On: during shaking, drop to hands and knees, take cover under a sturdy table, and hold on. Do not stand in doorways or run outside.
- Structural retrofit: homes built before 1980 may need foundation bolting or cripple wall bracing. FEMA's earthquake resources offer guidance on retrofitting.
- USGS ShakeMap: monitor real-time and recent seismic activity at earthquake.usgs.gov.
Build Your Earthquake Preparedness Kit
FEMA recommends every household in a seismic zone maintain a 72-hour emergency kit. Pre-assembled kits start at $40 and include water, food, first aid, and tools.
Product links may earn a commission — see our disclosure.
Mold Risk Assessment for 55720
Moderate RiskSummer months (June–August) present the highest mold risk in 55720, with average humidity reaching 68%. Indoor humidity can be 10–15% higher in poorly ventilated spaces. Winter humidity drops to 68%, reducing but not eliminating risk.
Why Mold Matters
- The CDC and EPA identify mold as a significant indoor health hazard. Common symptoms include respiratory irritation, allergic reactions, and asthma exacerbation.
- Mold begins growing within 24–48 hours on damp surfaces when relative humidity exceeds 60%. Bathrooms, basements, and crawl spaces are most vulnerable.
- Professional mold remediation costs $1,500–$9,000 on average. Homeowner insurance often excludes mold coverage unless caused by a "covered peril."
- Homes built before 1980 typically lack modern vapor barriers and ventilation systems, increasing moisture infiltration risk.
Prevention Recommendations
- Use a dehumidifier to keep indoor humidity below 50%. This is especially important in basements, crawl spaces, and bathrooms in high-humidity areas like 55720.
- Ensure proper ventilation: use exhaust fans in bathrooms and kitchens, and keep attic and crawl space vents unblocked.
- Fix leaks immediately. Even small plumbing leaks can create mold-favorable conditions within 48 hours.
- Homes built around 1961 often lack modern vapor barriers. Consider a professional moisture assessment to identify hidden problem areas.
- Monitor indoor humidity with a hygrometer ($10–$20). Target 30–50% year-round.
With 68% average humidity, a dehumidifier is the most effective way to reduce mold risk in 55720. Energy Star-rated units cost $200–$400 and can reduce humidity by 20–30%.
Respiratory Risk Today
High RiskSuperfund Sites & Soil Contamination Risk
Nearest Superfund (NPL) Sites
| Site Name | Distance | Status | Listed |
|---|---|---|---|
|
Arrowhead Refinery Co.
Hermantown, Minnesota
|
15.3 mi | Deleted from NPL | 09/21/1984 |
What Are Superfund NPL Sites?
The National Priorities List (NPL) is the EPA's list of the most contaminated sites in the United States. These sites are eligible for federal cleanup funding under CERCLA (the "Superfund" law). Common contaminants include heavy metals, volatile organic compounds (VOCs), pesticides, and industrial solvents that can leach into soil, groundwater, and air.
- Active Cleanup: EPA is investigating or remediating the site — contamination may still be present.
- Construction Complete: Physical cleanup is done, but long-term monitoring continues.
- Deleted: Site meets EPA cleanup standards and has been removed from the NPL.
Know What's in Your Soil
If you live near a Superfund site, a home soil test kit can detect heavy metals, lead, and other contaminants — especially important if you garden, have children, or use well water.
Product links may earn a commission — see our disclosure.
Pollution and Population Health
This section places two independent federal datasets side by side: environmental measurements from the EPA and population-health estimates from the CDC. They describe the same ZIP code but are collected separately, and each one is read on its own terms.
Local pollution measurements
Air, traffic and contaminated-site indicators for this ZIP code, from EPA programs.
Each bar is this ZIP code’s EJScreen national percentile; a higher value means more exposure compared with other U.S. areas.
EPA AirData has insufficient reporting cycles or facilities for Carlton County, MN — trend display held.
Two independent datasets. Air and soil pollution data (EPA) and health-prevalence data (CDC) are independent datasets shown side by side for context only. ZipCheckup does not establish a causal link between local pollution and any health condition, and these figures do not demonstrate one.
Population-health estimates
CDC PLACES modeled prevalence among adults in this ZIP code, each shown with its 95% confidence interval. The prior-release figure is shown alongside as a reference point only; CDC explicitly cautions that small-area year-to-year differences may reflect model recalibration rather than real change.
Modeled small-area estimates produced from the BRFSS national survey and census demographics (Zhang et al. 2014). Not direct measurements; not for diagnostic or screening use.
Only CDC PLACES measures present in every release since 2020 appear with a prior-release reference; newer measures (added in 2023 and later) are presented without a prior figure.
Food access for this area
How the USDA classifies access to grocery stores and fresh food across the surrounding census tract.
USDA Food Access Research Atlas tract estimates, mapped from census tract to ZIP code. These are modeled population-level figures, not findings about any individual or any specific address.
Pollution–Health Comparison Index
In 55720, the CDC models adult-asthma prevalence at 11.2%, while a statistical model of local pollution and poverty predicts about 11.1% — close to the model’s prediction.
Among U.S. ZIP codes, this one sits at percentile 64 for how far observed asthma is above or below the model’s prediction.
The Pollution–Health Comparison Index is a percentile rank showing how this ZIP code’s observed asthma prevalence compares with what a statistical model would predict from local pollution and poverty alone. It describes a statistical association, not a cause-and-effect relationship.
Agricultural pesticide use in the surrounding county
USGS estimates how many kilograms of agricultural pesticides are applied each year in this ZIP code’s surrounding county, plus the five most-applied compounds. These are county-level use estimates, not a measurement of any pesticide in the tap water served to this ZIP code.
Top compounds by volume
The five compounds applied in the largest amounts across this county. Where the EPA sets a drinking-water reference limit (MCL) for a compound, that limit is shown for context — it is a regulatory reference, not a finding of any concentration in this ZIP code’s water.
-
Moderate water concernGLYPHOSATEHerbicide · 482 kg/yr · EPA drinking-water reference limit: 700 ppb
-
Moderate water concern2,4-DHerbicide · 250 kg/yr · EPA drinking-water reference limit: 70 ppb
-
High water concernCHLORPYRIFOSInsecticide · 177 kg/yr
-
High water concernMETOLACHLORHerbicide · 78 kg/yr
-
Moderate water concernACETOCHLORHerbicide · 76 kg/yr
5 of the top compounds are ones the EPA flags for drinking-water monitoring — see the drinking-water section above
What this means
- These figures describe pesticide application across the surrounding county, not the drinking water at this address.
- An EPA Maximum Contaminant Level (MCL) is a regulatory reference for how much of a compound is allowed in finished tap water — it is not a finding of contamination at this ZIP code.
- Tested drinking-water results from the local water system — when reported — appear in the drinking-water section of this report.
Methodology: Annual county pesticide-use estimates are from the USGS Pesticide National Synthesis Project, mapped from county FIPS to ZIP code. EPA Maximum Contaminant Levels are reproduced from federal drinking-water regulations and are reference points only.
Informational only. County-level agricultural pesticide-use estimates are not a measurement of any pesticide in the drinking water served by this ZIP code, nor an assessment of health risk. Tested drinking-water results, when reported by the local water system, appear in the drinking-water section above.
Home & Infrastructure (8) MODERATE
Home Buyer Risk Report
An inspection-grade snapshot of public-data risk factors for this ZIP, built to help a buyer decide what to verify before closing.
Public federal data shows a low overall risk profile for this ZIP. The checklist below works alongside a standard home inspection.
Seven-factor inspection checklist
Each factor below is scored 0–100 from public federal data. A higher score means the factor is more worth verifying before you buy.
The local water system's recent EPA violation and contaminant history, along with an independent tap-water test, gives more context.
The FEMA flood zone, whether the property has flooded before, and flood-insurance requirements are key points to review.
Homes built before 1986 may have lead pipes or solder, and pre-1978 homes may have lead paint — a lead inspection adds clarity.
Heating and cooling costs and the age of the HVAC system, along with recent utility bills, give a fuller picture.
Older homes more often have aging plumbing, wiring, and a water heater near end of life — a full inspection adds detail.
The EPA recommends testing every home for radon; homes in EPA Radon Zone 1 have the highest potential.
Local air-quality history is useful context; for sensitive occupants, an HVAC system with good filtration helps.
Nearby hazards
No EPA Superfund (National Priorities List) sites recorded within 10 km.
ATSDR public-health assessment for nearby sites: No Apparent Public Health Hazard.
Modeled probability of a local water-service disruption in the next 90 days.
See the 90-day disruption outlookHealthcare access
Hospitals reported by CMS Hospital Compare near this ZIP code, with overall federal quality star ratings where CMS publishes one.
Closest hospitals
-
Not rated by CMSCommunity Memorial HospitalCritical access · 0.0 mi away · ER
CMS does not publish an average overall quality star rating for the rated set near this ZIP code.
Federal data from CMS Hospital Compare. Distances are straight-line estimates from the ZIP code centroid; ZipCheckup neither ranks nor recommends any hospital.
Inspection-day checklist
Practical items to raise with your inspector, agent, or the seller — tailored to this ZIP's data.
- Get a lead inspection — homes built before 1978 may contain lead paint and pre-1986 homes may have lead pipes or solder.
- Ask the age of the water heater and look for signs of corrosion or leaks.
- Have the electrical panel and wiring inspected — older systems may need updating.
- Review the local water system's recent disruption and violation history with the utility.
- Hire an independent home inspector for a full walkthrough of the property.
- Read the seller's disclosure and any past inspection or repair records.
- Ask for service records for the HVAC system, water heater, and roof.
What this means
- This report consolidates seven home-purchase risk factors and nearby hazards from public federal data into one place.
- Each flagged item is a recommendation to verify independently — not a finding of a defect.
- An independent home inspection remains an essential step before closing.
Buying or inspecting a home in this area? — talk to a local expert.
Call (844) 439-2761Paid Partner This is a free service. You will be connected with an independent service provider. We may receive compensation.
Methodology: The report combines the home purchase risk score — a seven-factor composite of public federal data — with EPA Superfund, ATSDR, water-disruption, and NRC nuclear-zone proximity datasets. All figures are modeled estimates.
Informational only. This is a modeled summary of public federal data, not a home inspection, an appraisal, or a prediction of defects. Verify any concern with a qualified inspector before a purchase.
Housing Profile for 55720
Based on U.S. Census data (ACS B25034), there are 7,595 housing units in this ZIP code. The median home was built around 1961, making it roughly 65 years old.
When Homes Were Built
What This Means for Home Equipment
Homes built in the 1961s era typically have equipment that has been replaced at least once. Based on typical replacement cycles:
- Water heater: estimated ~5 years old (avg lifespan: 12 years)
- HVAC system: estimated ~14 years old (avg lifespan: 17 years)
- Plumbing: likely Galvanized Steel or Copper — older homes in this ZIP may still have original lead service lines
Home Value Context
Estimated median home value in this ZIP code based on Census ACS data. Safety remediation costs include water filtration, lead abatement, radon mitigation, and flood insurance where applicable.
Equipment Age Estimate for 55720
Based on Census data, the median home in this ZIP was built in 1961 (~65 years old). 71% of homes were built before 1986.
The EPA Lead and Copper Rule Improvements (LCRI), finalized October 2024, requires all water utilities to:
- By October 2027: Complete a lead service line inventory and notify all customers with lead or unknown lines
- By ~2037: Replace 100% of lead service lines (mandatory 10-year deadline)
- New action level: Lowered from 15 ppb to 10 ppb — more homes now trigger mandatory action
71% of homes in ZIP 55720 were built before 1986 — the year lead solder was banned. If you receive a notification letter from your water utility, your home likely has lead service lines or lead solder connections.
- Get your water tested for lead (request a test kit from your utility at no cost)
- Install a certified lead-reducing filter (NSF/ANSI 53)
- Contact your utility about replacement assistance — costs run $5,000–$15,000, utilities may cover a portion under LCRI
- Have a plumber inspect your service line connection
Likely pipe material: Galvanized Steel or Copper
Estimates based on U.S. Census ACS housing vintage data and typical equipment lifespans. Actual conditions vary by home.
Water Infrastructure Risk
Risk Factor Breakdown
What This Means
ZIP code 55720 has some aging water infrastructure. While not at the highest risk level, periodic water testing is a sensible precaution, particularly if your home was built before 1980.
Infrastructure Decay & Disruption
Water pipe decay
Local water mains are modeled to reach a critical service threshold within about 4 years.
Bridge condition (FHWA NBI)
Bridge figures are from the Federal Highway Administration's National Bridge Inventory. They describe area-level structural ratings, not the safety of any specific bridge.
Bridge condition — FHWA NBI 2024 annual release
Of 147 bridges classified within this ZIP code's surrounding county, 13 are classified Poor by FHWA NBI 2024.
Good (76) · Fair (58) · Poor (13)
FHWA classifies bridges as Good (rating 7-9), Fair (5-6), or Poor (0-4) based on biennial inspections of deck, superstructure, substructure, and culvert components.
Counts are county-level aggregated; multiple ZIP codes within the same county share these counts. No per-bridge or per-structure-ID claim is made.
Source: FHWA National Bridge Inventory, 2024 annual release.
Gas pipeline incident history
PHMSA records no reported gas-distribution pipeline incidents on file for this area.
Source: U.S. Pipeline and Hazardous Materials Safety Administration (PHMSA) historical incident data.
This is the modeled probability of a boil-water advisory or water-service interruption in the next 90 days.
See the full service-disruption breakdown →What this means
- This score blends four public federal datasets — water-pipe decay, bridge condition, gas-pipeline incident history, and a 90-day disruption estimate — into one area-level measure of infrastructure stress.
- It describes the infrastructure around a home, not the condition of the home itself, and it is a modeled estimate rather than an engineering assessment.
- Aging water mains raise the chance of breaks and service interruptions; a plumber can inspect a home's own supply line and shut-off valve.
Concerned about aging water lines on your property? — talk to a local expert.
Call (855) 384-4856Paid Partner This is a free service. You will be connected with an independent service provider. We may receive compensation.
Methodology: Water-pipe decay is modeled with an exponential-decay bathtub curve from Census ACS housing age, EPA ECHO compliance records, and EPA infrastructure-needs data. Bridge condition is from the FHWA National Bridge Inventory; gas-pipeline incidents from PHMSA; the 90-day disruption estimate from EPA and FEMA data. The stress score is a weighted composite of these four signals.
All figures are modeled estimates from public federal data. They are not engineering assessments, predictions of failure, or a judgment about any specific structure or utility.
HVAC System Health for 55720
Lower electricity rates in Minnesota (14.98¢/kWh) help offset HVAC costs, but an aging system still wastes energy. Modern high-efficiency systems can reduce consumption by 20–40%.
Seasonal HVAC Tips for Minnesota
- Schedule furnace tune-up before first cold snap
- Replace air filter (every 1–3 months)
- Check thermostat calibration
- Insulate exposed ductwork in attic/crawlspace
- Seal drafts around windows and doors
- Check carbon monoxide detectors (gas furnace)
- Schedule bi-annual professional inspection
Common HVAC Issues for 1961-Era Homes
- Undersized ductwork — older designs often can't handle modern HVAC airflow requirements
- Poor insulation — pre-1980s homes lose 25–40% more heat through walls and attic
- Obsolete refrigerant — R-22 (Freon) phased out; repair costs significantly higher
- Asbestos in duct insulation — homes before 1980 may need professional abatement before HVAC work
The HVAC system in homes in this area likely uses R-410A, which is being phased down under the AIM Act. Manufacturing of new R-410A equipment was banned January 2025.
- Your existing system can continue operating and be repaired
- New replacements will use R-454B or R-32 (A2L refrigerants)
- New systems cost 5–10% more due to additional safety requirements
- Plan ahead: when your system needs replacement, budget for the higher cost
The Department of Energy requires all NEW furnaces manufactured after December 18, 2028 to meet 95% AFUE (condensing furnaces). Current standard is 80% AFUE.
What this means for you:
- 80% AFUE non-condensing furnaces will no longer be available for purchase
- Condensing furnaces require PVC venting (additional $1,500–$2,500 for retrofit)
- If the furnace is approaching end of life, consider replacing before the deadline to potentially save on installation costs
- Your existing furnace can continue operating — this applies only to NEW equipment
HVAC Questions for 55720
How do I know if my HVAC system needs replacement?
Key signs include: the system is over 15 years old, frequent repairs (more than 2 per year), uneven heating/cooling between rooms, rising energy bills despite normal use, and unusual noises or odors. Based on census data, the median home in 55720 was built in 1961, putting the estimated HVAC system age at ~14 years — which is approaching or past the typical 15–17 year lifespan.
What SEER rating should I look for in a new HVAC system?
As of 2023, the federal minimum is SEER2 15 for central AC in the southern U.S. and SEER2 14 in the north. For Minnesota, look for at least SEER 16–18 for good efficiency. Higher SEER ratings (20+) cost more upfront but save more in areas with high electricity rates. ENERGY STAR certified units are a reliable starting point.
How much does HVAC replacement cost in Minnesota?
A full HVAC replacement (furnace + AC) typically ranges from $5,000–$12,000 depending on system size, efficiency rating, and ductwork condition. Heat pump systems range from $4,000–$10,000. Federal tax credits (25C) cover up to 30% of the cost for qualifying heat pumps and high-efficiency systems. Check our rebates page for Minnesota-specific incentives.
What refrigerant does my AC use and why does it matter?
If your AC was installed before 2010, it likely uses R-22, which was banned in 2020 and now costs $50–$150/lb. Systems from 2010–2024 typically use R-410A, which is being phased down (AIM Act 2025). New systems use R-454B or R-32. When your current system needs major repair, the refrigerant type significantly affects whether repair or replacement makes more economic sense.
Should I replace my furnace before the 2028 efficiency deadline?
If the furnace in a home is over 15 years old and the area has a cold/moderate climate, planning ahead is wise. After December 2028, only 95% AFUE condensing furnaces will be available. These require PVC venting — retrofitting an older home for PVC can cost $1,500–$2,500 on top of the furnace price. Replacing before the deadline with a standard 80% AFUE unit may be more cost-effective if the venting isn't PVC-ready.
HVAC age estimate based on U.S. Census ACS housing vintage data and a 17-year replacement cycle. Actual system age varies by home.
Appliance Age Estimates for 55720
Median home built in 1961 (~65 years old). Appliance ages estimated from typical replacement cycles.
How Water Quality Affects Appliance Lifespan
Water conditions in Cloquet directly impact how long your appliances last.
Homes built before 1996 have likely gone through 2+ full appliance replacement cycles. If original appliances remain, they are well past expected lifespan.
Appliance Maintenance FAQ
How often should I flush my water heater?
Flush your tank water heater at least once a year to remove sediment buildup. In areas with hard water, every 6 months is recommended. Sediment reduces heating efficiency and accelerates tank corrosion, shortening lifespan by 2–4 years.
When should I replace my dishwasher vs. repair it?
If your dishwasher is over 9 years old and the repair costs more than 50% of a new unit, replacement is generally more cost-effective. Common signs: dishes not getting clean, water pooling after cycles, or rust spots on the interior.
Does a water softener really extend appliance life?
Yes. A water softener can extend water heater lifespan by up to 30% and reduce dishwasher and washing machine maintenance by preventing mineral scale buildup on heating elements, valves, and spray arms. The Battelle Memorial Institute found that softened water kept water heaters at original factory efficiency over a 15-year period.
Estimates based on U.S. Census housing vintage data and manufacturer-average replacement cycles. Actual appliance age depends on renovation history and maintenance.
Electrical Safety for 55720
Median home built in 1961 (~65 years old). 43% of homes were built before 1970, when electrical standards were significantly different.
Common Electrical Issues for 1961-Era Homes
- Knob-and-tube wiring — common in pre-1950 homes, lacks grounding and cannot safely handle modern electrical loads
- Undersized electrical panel — 60–100 amp panels typical of this era cannot support today's appliances, EV chargers, or HVAC systems
- Aluminum wiring — used in 1960s–1970s homes, poses fire risk at connections due to oxidation and thermal expansion
- Ungrounded outlets — two-prong outlets indicate missing ground wire, increasing shock and surge risk
- Federal Pacific / Zinsco panels — common in 1960s–1980s homes, known for breaker failure; replacement strongly recommended
⚠️ Insurance Compliance Alert
71% of homes in 55720 were built before 1986 — the era when Federal Pacific (FPE StabLok), Zinsco, and Challenger electrical panels were commonly installed.
These panels have a documented 60%+ breaker failure rate and are refused by major insurance companies including State Farm, Allstate, and Citizens (FL).
If you receive an insurance non-renewal notice or 4-point inspection failure:
- Typical deadline: 30 days to replace panel
- Replacement cost: $1,500–$4,000
- Failure to replace: insurance cancellation → mortgage default risk
Insurance blacklist: State Farm, Farmers, Allstate, USAA, Mercury, Citizens (FL), Nationwide.
When to Call an Electrician
- Burning smell from outlets or panel
- Frequent breaker trips
- Sparking or discolored outlets
- Buzzing sounds from wiring or panel
- Before buying a home (especially pre-1980)
- After any water damage or flooding
- Before adding major appliances or EV charger
- If your panel is 25+ years old
Electrical Safety Tips
- Never use a fuse with a higher amperage rating than the circuit is designed for
- Label all breakers clearly in your electrical panel
- Keep 3 feet of clearance in front of your electrical panel
- Test GFCI outlets monthly using the built-in test button
- Replace any cracked or warm outlet covers immediately
- Do not daisy-chain power strips or extension cords
Homes built before 1976 likely have outdated wiring and panels that do not meet current electrical codes. A professional electrical inspection is strongly recommended.
Electrical Safety Questions for 55720
How do I know if my electrical panel needs an upgrade?
Key signs include: frequent breaker trips, a panel over 25 years old, fuses instead of circuit breakers, visible rust or corrosion, and a panel rated below 200 amps if you have modern appliances, HVAC, or an EV charger. Based on census data, the median home in 55720 was built in 1961 — homes of this age often have panels that don't meet current electrical demands.
How much does an electrical panel upgrade cost?
A panel upgrade from 100 to 200 amps typically costs $1,500–$4,000 depending on your location and the complexity of the work. If the meter base or service entrance also needs replacement, costs can reach $4,000–$6,000. Rewiring a full home (common in pre-1960 homes) ranges from $8,000–$15,000+ depending on size and accessibility.
Is aluminum wiring dangerous?
Aluminum wiring itself is not inherently dangerous, but connections between aluminum wiring and copper devices (outlets, switches) can overheat due to differential thermal expansion. The Consumer Product Safety Commission (CPSC) found that homes with aluminum wiring are 55 times more likely to have fire-hazard conditions. If your home has aluminum wiring, a qualified electrician can install COPALUM or AlumiConn connectors to make connections safe.
Is my home likely to have a Federal Pacific or Zinsco panel?
These panels were installed primarily between 1960 and 1985. Based on census data, 71% of homes in 55720 were built during this era. If your home was built in this period and the panel has never been replaced, there is a meaningful chance it contains an FPE StabLok or Zinsco panel. Look for the brand name on your breaker panel door.
Electrical risk assessment based on U.S. Census ACS housing vintage data. Actual wiring and panel condition varies by home and renovation history.
Septic System Requirements in Minnesota
ℹ Partial Requirements ApplyDisclosure of system status required at sale. Full inspection required when adding bedrooms or increasing flow.
Non-compliant systems must be upgraded. Counties may require compliance inspection at sale.
What Homeowners Should Know
- Approximately 1 in 5 U.S. households relies on a septic system for wastewater treatment.
- Regular pumping every 3–5 years is recommended by the EPA to prevent system failure.
- A failed septic system can cost $7,000–$15,000 or more to replace, depending on system type and soil conditions.
- If you are selling a property in Minnesota, check your state and local requirements before listing.
- Signs of septic failure include slow drains, sewage odors, and standing water near the drain field.
Source: Minnesota environmental and health department regulations. Cost estimates reflect typical market rates and may vary by provider, system size, and location. This information is for general guidance only—contact your local health department for requirements specific to your property.
CO & Gas Safety Profile
CO & Gas Safety Tips
- Install CO detectors on every level of your home and near sleeping areas. Replace batteries annually and units every 5-7 years.
- Know gas leak signs: rotten egg smell, hissing sounds near gas lines, dead vegetation near pipelines, bubbling in standing water.
- Annual inspection: have a licensed technician inspect gas appliances (furnace, water heater, stove) every year.
- Emergency: if you smell gas, leave immediately, do not use electrical switches, and call 911 or your gas company from outside.
Protect Your Home from Carbon Monoxide
The CPSC recommends a CO detector on every level. Battery-operated models start at $20. Smart detectors with app alerts start at $35.
Product link may earn a commission — see our disclosure.
Remodeling Permit Requirements in Minnesota
⚠ Strict Permit EnforcementStructural, electrical, plumbing, mechanical. Minnesota State Building Code applies uniformly statewide.
Fines up to $2,000, stop-work orders, mandatory correction, misdemeanor
Why This Matters
- Unpermitted work can reduce your home's appraised value by 10–20% and complicate or block a sale entirely.
- Homeowner insurance may deny claims for damage caused by or related to unpermitted renovations.
- Buyers' lenders may require proof of permits before approving a mortgage, especially for kitchens, bathrooms, and structural changes.
- Unpermitted electrical and plumbing work is a leading cause of house fires and water damage — permits exist to ensure safety inspections.
- If you are planning remodeling work in Minnesota, contact your local building department before starting any project that alters structure, electrical, plumbing, or mechanical systems.
Remodeling Permit Questions for 55720
What remodeling work requires a permit in Minnesota?
In Minnesota, permits are generally required for any work that alters the structure, electrical wiring, plumbing, or mechanical systems of a home. This includes kitchen and bathroom renovations involving plumbing or electrical changes, wall removal, room additions, window enlargements, re-roofing, and HVAC replacement. Purely cosmetic work — painting, flooring, cabinet refacing without plumbing changes — typically does not require a permit. Always check with your local building department, as municipal requirements may be stricter than state minimums.
What happens if I remodel without a permit in Minnesota?
Working without a required permit in Minnesota can result in Fines up to $2,000, stop-work orders, mandatory correction, misdemeanor. Beyond legal penalties, unpermitted work creates problems when selling: buyers' home inspectors and appraisers flag unpermitted additions, lenders may refuse financing, and title companies may require permits to be obtained retroactively — often at 2–3 times the original permit fee. In serious cases, you may be required to open walls for inspection or demolish non-compliant work.
How much does a remodeling permit cost in Minnesota?
Remodeling permit fees in Minnesota typically range from $100 to $2500, depending on the scope and value of the project. Most jurisdictions calculate fees as a percentage of the project's estimated construction cost (usually 1–2%) or use a flat fee schedule based on project type. Electrical and plumbing sub-permits may be billed separately. Contact your local building department for an exact fee quote before starting work.
Permit requirements based on Minnesota building codes and ICC adoption data. Costs reflect typical municipal fee schedules and may vary by jurisdiction, project scope, and valuation. This information is for general guidance only — contact your local building department for requirements specific to your project.
Home maintenance concerns detected — talk to a local expert.
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Cost & Community (5) OK
True Cost of Ownership
How this ZIP compares
Where the estimate comes from
Show all 6 factors
5-year equipment outlook
Major home equipment that may reach the end of its typical service life within five years. Figures are national-average installed-cost ranges, not quotes.
What this means
- This is a modeled estimate of how much more — or less — a household here may spend each year on risk-related costs such as insurance, mitigation, testing, and maintenance, compared with a typical US ZIP.
- It is a comparison figure for context, not a bill, a quote, or financial advice.
- The 5-year equipment ranges above are separate one-time replacements, not part of the annual figure.
Planning for aging home equipment? — talk to a local expert.
Call (844) 439-2761Paid Partner This is a free service. You will be connected with an independent service provider. We may receive compensation.
Methodology: Each of 13 risk verticals is assigned a dollar figure from public federal data; the total is the modeled annual difference from a median-risk US ZIP. The 5-year equipment outlook flags major home equipment whose estimated age is within five years of its typical service life; figures are national-average installed-cost ranges.
Estimates are modeled from public federal data. They are not quotes, prices, or financial or insurance advice.
Tax Burden in Minnesota
State tax rates affect cost of ownership. Here's how Minnesota compares to national averages.
Source: Tax Foundation 2024. Income tax = top marginal rate. Sales tax = state + avg local. Property tax = effective rate on home value.
Energy Costs in Minnesota
Residential electricity rate: 14.98¢/kWh — 12% below the national average (national avg: 17.0¢/kWh · EIA, December 2025)
Minnesota Energy Mix
Source: EIA Form 923, 2025 data. Renewable = solar + wind + hydro + geothermal.
Electric Utility for 55720
Source: U.S. Energy Information Administration, Form EIA-861 (2024 data). EIA ID: 10697.
Home Energy Audit for 55720
The Inflation Reduction Act provides up to $8,000 in rebates and $3,200 in annual tax credits for home energy upgrades — but many provisions phase down or expire after 2032. A professional energy audit is the first step to qualifying for these incentives. Homes in 55720 average ~65 years old, making energy audits especially impactful.
What a Home Energy Audit Covers
- Insulation levels in attic, walls, and basement
- Air leaks around windows, doors, and ducts
- Blower door test (measures total air leakage)
- HVAC efficiency and age assessment
- Water heater type and condition
- Lighting and appliance energy use
- Carbon monoxide and combustion safety
- Moisture and ventilation assessment
- Gas leak detection
- Prioritized list of recommended upgrades
- Estimated cost and savings for each upgrade
- Rebate and tax credit eligibility report
- The average home energy audit identifies $200–$400/year in savings (DOE)
- Properly sealed and insulated homes save 15% on heating and cooling costs (DOE)
- Heat pump upgrades can reduce heating costs by 30–50% compared to electric resistance
- ENERGY STAR certified windows save $101–$583/year compared to single-pane windows
- Weatherization assistance programs are available for income-qualifying households
Homes in 55720 are ~65 years old on average — older homes typically have the most to gain from an energy audit due to outdated insulation, single-pane windows, and aging HVAC systems.
Lake Country Power (Cooperative) serves 55720. Your local residential rate is 17.9¢/kWh , which is below the national average — but efficiency upgrades still pay for themselves over time . Many utilities offer additional rebates on top of federal IRA incentives — ask your energy auditor about programs from Lake Country Power.
Under the Inflation Reduction Act. Income limits apply for HEEHRA rebates. Tax credits require tax liability. IRS details →
To claim the $150 federal tax credit, your energy audit must meet DOE standards (10 CFR 440.21) and be performed by a qualified auditor. A DOE-compliant audit includes:
- Blower door test to measure air infiltration
- Infrared thermography to identify insulation gaps
- Combustion safety testing for gas appliances
- Written report with prioritized, cost-effective upgrade recommendations
Energy Audit Questions for 55720
How much does a home energy audit cost?
A professional home energy audit typically costs $150–$400 depending on the size of your home and the depth of testing. The Inflation Reduction Act provides a $150 tax credit for qualifying audits performed by a certified auditor, effectively covering a significant portion of the audit cost. Some utilities also subsidize audits for their customers — check with Lake Country Power for local programs.
What is the difference between an energy audit and a home inspection?
A home inspection (done during a home sale) evaluates structural and safety conditions. An energy audit specifically measures how your home uses energy and identifies efficiency improvements. Energy audits use specialized tools like blower doors, infrared cameras, and duct blasters that are not part of a standard home inspection. The audit produces a prioritized list of upgrades with estimated costs and savings.
How much can I save after an energy audit?
According to the U.S. Department of Energy, the average audit identifies $200–$400/year in savings. Actual savings depend on your home's age, current insulation, HVAC efficiency, and local energy rates. At current rates in Minnesota, the average home spends approximately $1,573/year on electricity — a 15–25% reduction through audit-recommended upgrades could save $236–$393 annually. With homes in 55720 averaging ~65 years old, there is likely significant potential for improvement.
What rebates and tax credits are available for energy upgrades?
The Inflation Reduction Act (IRA) provides two types of incentives: (1) Tax credits up to $3,200/year for heat pumps ($2,000), insulation ($1,600), windows ($600), and the audit itself ($150); and (2) HEEHRA rebates for income-qualifying households — up to $8,000 for heat pumps, $1,600 for insulation, $2,500 for electrical panels, and $840 for heat pump dryers. Solar panels qualify for a separate 30% tax credit through 2032.
Do I need an energy audit before installing solar panels?
An energy audit is not legally required before installing solar, but the DOE strongly recommends it. Reducing your home's energy consumption before adding solar means you need a smaller (cheaper) system to cover your needs. An audit typically identifies 15–30% in energy reductions through insulation, air sealing, and HVAC improvements — which directly reduces the size and cost of a solar installation.
How long does a home energy audit take?
A comprehensive energy audit takes 2–4 hours for a typical single-family home. The auditor will inspect the attic, basement, walls, windows, HVAC system, water heater, and ductwork. Diagnostic tests (blower door, infrared scan) add precision to the findings. You will receive a written report within 1–2 weeks with prioritized recommendations and estimated costs.
Source: U.S. Energy Information Administration (EIA), U.S. Department of Energy (DOE), Inflation Reduction Act of 2022 (P.L. 117-169).
Safety Updates for Cloquet, Minnesota
Violations & Enforcement Timeline
Recent Product Recalls
Recent CPSC recalls for plumbing and HVAC products that may affect homes in your area.
Superbobi 7 3/8 Inch Pool Drain Covers
Shenzhen Jiangtou Technology Co. · 2026-05-14
Electric Kettles (ENFINIGY 1.5 l and ENFINIGY Pro 1.5 l)
ZWILLING J. A. Henckels Aktiengesellschaft · 2026-05-14
Electric Start Pressure Washers
Generac Power Systems Expands · 2026-05-14
1-K Kerosene Heater Fluid Portable Fuel Containers
Alliance Chemical · 2026-04-30
Protect Your Home in Cloquet
Based on local data for ZIP 55720, these services may benefit homeowners in your area.
Based on local data for your area. Use the tools below to explore your options.
Home & Flood Insurance
Cloquet has 2 FEMA flood claims on record. Standard homeowner policies don't cover flood damage — make sure you're protected.
Typical cost: Flood insurance: typically $700–$1,500/year in flood-prone areas
Check Your Flood Zone (Free)FEMA flood map lookup — see if your property is in a flood zone
Free tip: Check your FEMA flood zone at msc.fema.gov (free lookup)
Gutter Installation & Repair
Homes in 55720 were built around 1961 on average. Aging gutters can cause foundation damage, basement flooding, and mold — a professional assessment can prevent costly repairs.
Typical cost: Gutter installation: typically $1,000–$2,500 for a standard home
Estimate Your Home Maintenance CostsWindow Replacement
With a median build year of 1961, many homes in Cloquet likely have original or outdated windows. ENERGY STAR windows can save $101–$583/year on energy bills.
Typical cost: Window replacement: typically $300–$800 per window installed
Estimate Your Home Maintenance CostsRoofing Inspection & Repair
Homes built around 1961 may be on their second or third roof. A professional inspection can catch damage before leaks start.
Typical cost: Roof inspection: typically $75–$300; repairs $300–$1,500
Estimate Your Home Insurance NeedsService recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.
Take Action
Concerned about these findings? Contact your local elected officials to ask what is being done about water quality in your area.
Email Your RepresentativeDon't know who to contact? Find your local representative at usa.gov/elected-officials
Frequently Asked Questions
Is the tap water in 55720 safe to drink?
Based on EPA SDWIS data, Cloquet's primary water system (Cloquet) has 2 recorded violations in the past 5 years, including 0 health-based. Check the full report above for details.
Where does 55720's water come from?
The primary water source for ZIP code 55720 is Groundwater. Cloquet serves approximately 12,864 people.
How can I get my water tested in Cloquet?
Contact your local water utility (Cloquet) for a free Consumer Confidence Report, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.
Is lead a concern in 55720 tap water?
The most recent lead sampling for 55720 recorded 0.003 mg/L. The EPA action level is 0.015 mg/L. This result is below the EPA action level.
What is the radon risk for 55720?
55720 falls in EPA Radon Zone 2 (Moderate risk), located in Carlton County. Zone 1 indicates the highest radon potential. Testing your home is recommended regardless of zone.
Are there PFAS (forever chemicals) in 55720's water?
Yes, PFAS contamination has been detected in water systems serving 55720. Reverse osmosis and activated carbon filters certified NSF/ANSI 53 or 58 are the most effective at reducing PFAS.
What contaminants were found in ZIP 55720 water?
According to the most recent Consumer Confidence Report, 23 contaminants were detected. The top contaminants include Perfluorooctanesulfonate (PFOS) (11 ppt, exceeds MCL). See the full water quality breakdown above.
Are there flood risks in ZIP 55720?
Yes. FEMA records show 2 flood insurance claims filed in ZIP code 55720, with the dominant flood zone being X. Review FEMA flood maps for your specific property.
Nearby ZIP Code Reports
Water quality comparison for ZIP codes near 55720
| ZIP Code | City, State | Distance | Grade | Violations |
|---|---|---|---|---|
| 55711 | Brookston, MN | 7.5 mi | D | 0 |
| 55718 | Carlton, MN | 8.0 mi | B | 0 |
| 55780 | Sawyer, MN | 8.7 mi | D | 0 |
| 55733 | Esko, MN | 9.2 mi | C | 0 |
| 55779 | Saginaw, MN | 11.1 mi | C | 0 |
| 55791 | Twig, MN | 12.8 mi | D | 0 |
| 55810 | Duluth, MN | 13.0 mi | B | 0 |
| 55797 | Wrenshall, MN | 13.8 mi | B | 0 |
| 55702 | Alborn, MN | 15.5 mi | D | 0 |
| 55808 | Duluth, MN | 15.9 mi | B | 0 |
Nearby ZIP Code Reports
2026 Rankings for Your Area
Contaminants Detected in 55720
Learn more about the contaminants found in your water supply:
Overall safety breakdown
Home Safety Score →Find the right water filter
Water Filter Matcher →Compare filters, tests & services
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