Natural hazards · Cooperstown

Cooperstown, ND natural hazards

Most of the natural-hazard damage FEMA expects in Cooperstown comes from cold waves, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cooperstown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cooperstown to be higher than in 76% of U.S. communities, mostly from cold waves and strong winds.

Cold waves33%Strong wind20%Hail18%Inland flooding10%Ice storms9%Tornadoes5%Everything else5%

By hazard

What Cooperstown faces

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

Cold waves

33% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 21 times a year in the area

Strong wind

20% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Hail

18% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

10% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about once every 2 years in the area

Ice storms

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 2 years in the area

Lower here

Winter 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 Cooperstown flood?

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

of all homes
are insured

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

Insurance rates: Griggs County.

Disasters that hit Cooperstown

6 federal disasters brought FEMA money here

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

Brought FEMA money into CooperstownDeclared for Griggs County only

2025

Severe Storm, Tornadoes, and Straight-Line Winds

$88K to the City of Cooperstown for repairs

2009

Severe Storms and Flooding

8 households applied for aid $2K aid approved

2005

Severe Storms, Flooding, and Ground Saturation

$27K to the City of Cooperstown for repairs

2004

Severe Storms, Flooding, and Ground Saturation

$13K to the City of Cooperstown for repairs

2001

Severe Storms, Flooding, & Ground Saturation

$67K to the City of Cooperstown for repairs

1999

Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor

$48K to the City of Cooperstown for repairs

Griggs County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Cooperstown

Cooperstown and the towns around it

Very lowLowModerateHighVery high

Cooperstownmostly cold wavesHigh

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