Natural hazards · North

North, MN natural hazards

Most of the natural-hazard damage FEMA expects in North comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1997.

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

Expected damage

How exposed is North?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves5%Everything else13%

By hazard

What North faces

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

Inland flooding

82% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 2 years in the area

Cold waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 21 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 North flood?

Every paid claim on a federal flood insurance policy in North, from FEMA’s records.

2paid claims since 1997

$393paid to owners

0homes flooded more than once

19972026

of all homes
are insured

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

Insurance rates: Pennington County.

Disasters that hit North

Federal disasters declared here

None of the disasters declared for Pennington County shows FEMA aid or repair money reaching North itself in FEMA’s records.

Brought FEMA money into NorthDeclared for Pennington County only

Pennington County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around North

North and the towns around it

Very lowLowModerateHighVery high

Silvertonmostly inland floodingVery high

Rocksburymostly inland floodingVery high

Thief River Fallsmostly inland floodingVery high

Nordenmostly inland floodingVery high

Northmostly inland floodingVery high

Excelmostly droughtHigh

Agdermostly droughtHigh

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. North covers 1 census tract, combined by population.

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

FEMA’s expected losses across North total about $1.6M a year, counting buildings, people and crops.

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.