Natural hazards · Cavalier

Cavalier, ND natural hazards

Most of the natural-hazard damage FEMA expects in Cavalier comes from inland flooding, and overall the risk is moderate 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 Cavalier?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cavalier to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves33%Everything else24%

By hazard

What Cavalier faces

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

Inland flooding

43% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Cold waves

33% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 23 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 Cavalier flood?

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

1paid claims since 1997

$228paid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pembina County.

Disasters that hit Cavalier

Federal disasters declared here

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

Brought FEMA money into CavalierDeclared for Pembina County only

Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Cavalier

Cavalier and the towns around it

Very lowLowModerateHighVery high

Hamiltonmostly inland floodingHigh

Cavaliermostly inland floodingModerate

Advancemostly inland floodingModerate

Felsonmostly inland floodingModerate

Akramostly inland floodingLow

Lodemamostly inland floodingLow

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. Cavalier 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 Cavalier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cavalier. 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.