Natural hazards · Crystal Lake

Crystal Lake, ND natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Lake comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Crystal Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Lake to be higher than in 36% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding15%Hail9%Tornadoes6%Everything else12%

By hazard

What Crystal Lake faces

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

Cold waves

57% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 21 times a year in the area

Inland flooding

15% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Hail

9% 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

Above average · higher than 73% of U.S. places

Recorded about once every 2 years in the area

Lower here

Ice 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 Crystal Lake flood?

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

Disasters that hit Crystal Lake

Federal disasters declared here

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

Brought FEMA money into Crystal LakeDeclared for Wells County only

Wells County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Crystal Lake

Crystal Lake and the towns around it

Very lowLowModerateHighVery high

Crystal Lakemostly cold wavesLow

Bull Moosemostly cold wavesLow

Delgermostly cold wavesLow

Pony Gulchmostly cold wavesLow

Boonemostly hailVery low

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