Natural hazards · Fargo

Fargo, AR natural hazards

Most of the natural-hazard damage FEMA expects in Fargo comes from earthquakes, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Fargo?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fargo to be higher than in 77% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes50%Tornadoes19%Inland flooding17%Everything else14%

By hazard

What Fargo faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Earthquakes

50% of expected damage

Well above average · higher than 91% of U.S. places

Tornadoes

19% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 12 years in the area

Inland flooding

17% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Fargo flood?

FEMA's records show no paid flood insurance claims in Fargo.

of all homes
are insured

No community discount. Fargo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monroe County.

Disasters that hit Fargo

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Fargo itself: aid to households, or repair grants to the Town of Fargo.

Brought FEMA money into FargoDeclared for Monroe County only

2000

Severe Winter Ice Storm

$6K to the Town of Fargo for repairs

Monroe County has had 22 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Fargo is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Fargo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fargo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.