Natural hazards · Gwinner

Gwinner, ND natural hazards

Most of the natural-hazard damage FEMA expects in Gwinner comes from cold waves, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gwinner?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gwinner to be higher than in 33% of U.S. communities, mostly from cold waves and hail.

Cold waves38%Hail19%Strong wind17%Inland flooding12%Ice storms6%Everything else9%

By hazard

What Gwinner faces

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

Cold waves

38% of expected damage

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

Recorded about 17 times a year in the area

Hail

19% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 4 times a year in the area

Strong wind

17% of expected damage

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

Recorded about 3 times a year in the area

Inland flooding

12% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Ice storms

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesWinter 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 Gwinner flood?

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

of all homes
are insured

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

Insurance rates: Sargent County.

Disasters that hit Gwinner

3 federal disasters brought FEMA money here

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

Brought FEMA money into GwinnerDeclared for Sargent County only

2009

Severe Storms and Flooding

1 household applied for aid $4K aid approved

2001

Severe Storms, Flooding, & Ground Saturation

$3K to the City of Gwinner for repairs

1999

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

$248K to the City of Gwinner for repairs

Sargent County has had 29 natural disasters declared since 1953, most often floods and severe storms.

Around Gwinner

Gwinner and the towns around it

Very lowLowModerateHighVery high

Gwinnermostly cold wavesLow

Whitestone Hillmostly cold wavesLow

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