Natural hazards · Eldorado

Eldorado, ND natural hazards

Most of the natural-hazard damage FEMA expects in Eldorado comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 16 claims here since 1993.

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

Expected damage

How exposed is Eldorado?

Moderate

vs. U.S. communities

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

Inland flooding51%Tornadoes13%Cold waves9%Ice storms8%Hail8%Strong wind5%Everything else7%

By hazard

What Eldorado faces

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

Inland flooding

51% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

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

Cold waves

9% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 21 times a year in the area

Ice storms

8% of expected damage

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

Recorded about once every 2 years in the area

Hail

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 2 times a year 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 Eldorado flood?

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

16paid claims since 1993

$194Kpaid to owners

3homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $331

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. Eldorado isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Traill County.

Disasters that hit Eldorado

Federal disasters declared here

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

Brought FEMA money into EldoradoDeclared for Traill County only

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

Around Eldorado

Eldorado and the towns around it

Very lowLowModerateHighVery high

Eldoradomostly inland floodingModerate

Hillsboromostly inland floodingModerate

Ervinmostly inland floodingLow

Hillsboromostly hailLow

Norwaymostly hailLow

Caledoniamostly hailLow

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. Eldorado covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Eldorado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Eldorado. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Eldorado total about $720K a year, counting buildings, people and crops.

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.