Natural hazards · Bear Creek

Bear Creek, ND natural hazards

Most of the natural-hazard damage FEMA expects in Bear Creek comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1997.

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

Expected damage

How exposed is Bear Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bear Creek to be higher than in 30% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves54%Inland flooding17%Hail8%Strong wind7%Tornadoes6%Everything else9%

By hazard

What Bear Creek faces

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

Cold waves

54% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 2 years in the area

Hail

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 11 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Bear Creek flood?

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

1paid claims since 1997

$20Kpaid to owners

0homes flooded more than once

19972026

Disasters that hit Bear Creek

Federal disasters declared here

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

Brought FEMA money into Bear CreekDeclared for Dickey County only

Dickey County has had 28 natural disasters declared since 1953, most often floods and severe storms.

Around Bear Creek

Bear Creek and the towns around it

Very lowLowModerateHighVery high

Vernermostly cold wavesLow

Clementmostly cold wavesLow

Bear Creekmostly cold wavesLow

Dividemostly cold wavesLow

Riverdalemostly cold wavesLow

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. Bear Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bear Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bear Creek. 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 Bear Creek total about $2.1M 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.