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Natural hazards · Cogswell

Cogswell, ND natural hazards

Most of the natural-hazard damage FEMA expects in Cogswell comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2011. 4 federal disasters brought FEMA money into town.

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

How exposed is Cogswell?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cogswell to be higher than in 33% of U.S. communities, mostly from cold waves and hail.

Cold waves38%Hail19%Strong wind17%Inland flooding12%Ice storms6%Everything else9%
By hazard

What Cogswell faces

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

Cold waves

38% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 17 times a year in the area

Hail

19% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 4 times a year in the area

Strong wind

17% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 3 times a year in the area

Inland flooding

12% of expected damage
Well below average · higher than 15% of U.S. places
Recorded about once a year in the area

Ice storms

6% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 2 years in the area

Lower here

TornadoesWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Cogswell flood?

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

1paid claims since 2011
$2Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Late spring storms: 1 claim, $2K
of all homes
are insured
No community discount. Cogswell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sargent County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared
Disasters that hit Cogswell

4 federal disasters brought FEMA money here

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

Brought FEMA money into CogswellDeclared for Sargent County only
2011

Flooding

$37K to the City of Cogswell for repairs
2010

Flooding

$12K to the City of Cogswell for repairs
2009

Severe Storms and Flooding

4 households applied for aid $5K aid approved
2007

Severe Storms and Flooding

$6K to the City of Cogswell for repairs
Sargent County has had 29 natural disasters declared since 1953, most often floods and severe storms.
Around Cogswell

Cogswell and the towns around it

Harlem: Low, mostly cold wavesSargent: Moderate, mostly cold wavesBowen: Low, mostly cold wavesVerner: Low, mostly cold wavesVivian: Low, mostly cold wavesJackson: Moderate, mostly cold wavesBrampton: Moderate, mostly cold wavesForman: Moderate, mostly cold wavesCogswell: Low, mostly cold waves CogswellHarlemSargent
Very lowLowModerateHighVery high
Sargentmostly cold wavesModerate
Cogswellmostly cold wavesLow
Harlemmostly 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. Cogswell 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 Cogswell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cogswell. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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