Natural hazards · Courtenay

Courtenay, ND natural hazards

Most of the natural-hazard damage FEMA expects in Courtenay comes from cold waves, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Courtenay?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Courtenay to be higher than in 32% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves44%Inland flooding16%Hail15%Tornadoes8%Strong wind6%Everything else11%

By hazard

What Courtenay faces

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

Cold waves

44% of expected damage

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

Recorded about 19 times a year in the area

Inland flooding

16% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once a year in the area

Hail

15% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 2 years in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWinter 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 Courtenay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stutsman County.

Disasters that hit Courtenay

4 federal disasters brought FEMA money here

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

Brought FEMA money into CourtenayDeclared for Stutsman County only

2025

Severe Storm, Tornadoes, and Straight-Line Winds

$14K to the City of Courtenay for repairs

2019

Flooding

$20K to the City of Courtenay for repairs

2009

Severe Storms and Flooding

3 households applied for aid $3K aid approved $6K to the City of Courtenay for repairs

1999

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

$1K to the City of Courtenay for repairs

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

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