Natural hazards · Banner

Banner, ND natural hazards

Most of the natural-hazard damage FEMA expects in Banner comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Banner?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Banner to be higher than in 28% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves39%Inland flooding29%Hail11%Tornadoes7%Everything else15%

By hazard

What Banner faces

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

Cold waves

39% of expected damage

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

Recorded about 21 times a year in the area

Inland flooding

29% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Hail

11% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 19 years in the area

Lower here

Ice 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 Banner flood?

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

Disasters that hit Banner

Federal disasters declared here

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

Brought FEMA money into BannerDeclared for Mountrail County only

Mountrail County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Banner

Banner and the towns around it

Very lowLowModerateHighVery high

Bannermostly cold wavesLow

Modelmostly cold wavesLow

Fertilemostly cold wavesLow

Mountrailmostly cold wavesLow

Cremervillemostly cold wavesVery low

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. Banner covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Banner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Banner. 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 Banner total about $1.1M 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.