Natural hazards · Garfield

Garfield, ND natural hazards

Most of the natural-hazard damage FEMA expects in Garfield comes from inland flooding, 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 Garfield?

Low

vs. U.S. communities

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

Inland flooding26%Hail26%Cold waves22%Tornadoes9%Strong wind7%Ice storms5%Everything else4%

By hazard

What Garfield faces

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

Inland flooding

26% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Hail

26% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

22% of expected damage

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

Recorded about 21 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 4 years in the area

Strong wind

7% of expected damage

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

Recorded about 2 times a year in the area

Ice storms

5% of expected damage

Well above average · higher than 98% 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 Garfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Garfield 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 Garfield

Federal disasters declared here

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

Brought FEMA money into GarfieldDeclared for Traill County only

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

Around Garfield

Garfield and the towns around it

Very lowLowModerateHighVery high

Newburghmostly strong windsModerate

Garfieldmostly inland floodingLow

Vikingmostly inland floodingLow

Morganmostly inland floodingLow

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