Natural hazards · Durbin

Durbin, ND natural hazards

Most of the natural-hazard damage FEMA expects in Durbin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Durbin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Durbin to be higher than in 50% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding27%Strong wind27%Hail16%Cold waves16%Tornadoes9%Everything else6%

By hazard

What Durbin faces

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

Inland flooding

27% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Strong wind

27% of expected damage

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

Recorded about 3 times a year in the area

Hail

16% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 times a year in the area

Cold waves

16% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 19 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 5 years 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 Durbin flood?

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

8paid claims since 1978

$50Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Winter storm: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Durbin

1 federal disaster brought FEMA money here

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

Brought FEMA money into DurbinDeclared for Cass County only

2009

Severe Storms and Flooding

9 households applied for aid $25K aid approved

Cass County has had 30 natural disasters declared since 1953, most often floods and severe storms.

Around Durbin

Durbin and the towns around it

Very lowLowModerateHighVery high

Addisonmostly inland floodingHigh

Mapletonmostly inland floodingHigh

Durbinmostly inland floodingModerate

Everestmostly inland floodingModerate

Harmonymostly inland floodingModerate

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