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Natural hazards · Harwood

Harwood, ND natural hazards

Most of the natural-hazard damage FEMA expects in Harwood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 60 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Harwood?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harwood to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding51%Strong wind13%Tornadoes12%Cold waves9%Hail8%Everything else8%
By hazard

What Harwood 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 67% of U.S. places
Recorded about 2 times a year in the area

Strong wind

13% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 10 years in the area

Cold waves

9% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 19 times a year in the area

Hail

8% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 4 times a year 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 Harwood flood?

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

60paid claims since 1979
$123Kpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Winter storm: 4 claims, $2K
  • Not a named storm: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Harwood 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

31flood-prone properties bought out and cleared
4flood-prone homes bought out and moved
Disasters that hit Harwood

9 federal disasters brought FEMA money here

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

Brought FEMA money into HarwoodDeclared for Cass County only
2019

Flooding

$15K to the City of Harwood for repairs
2013

Flooding

$19K to the City of Harwood for repairs
2011

Flooding

$63K to the City of Harwood for repairs
2010

Flooding

$46K to the City of Harwood for repairs
2009

Severe Storms and Flooding

43 households applied for aid $37K aid approved $249K to the City of Harwood for repairs
2006

Severe Storms, Flooding, and Ground Saturation

$4K to the City of Harwood for repairs
2001

Severe Storms, Flooding, & Ground Saturation

$9K to the City of Harwood for repairs
2000

Severe Storms, Flooding and Ground Saturation

$4K to the City of Harwood for repairs
1999

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

$6K to the City of Harwood for repairs
Cass County has had 30 natural disasters declared since 1953, most often floods and severe storms.
Around Harwood

Harwood and the towns around it

Harwood: High, mostly inland floodingReed: High, mostly inland floodingFargo: Moderate, mostly inland floodingKragnes: Very high, mostly inland floodingWiser: Moderate, mostly strong windsBerlin: Moderate, mostly strong windsArgusville: Moderate, mostly strong windsOakport: Very high, mostly inland floodingWest Fargo: Low, mostly inland floodingReile's Acres: High, mostly inland floodingRaymond: High, mostly inland floodingNorth River: Low, mostly inland floodingMoorhead: High, mostly inland floodingStanley: Moderate, mostly inland floodingHorace: Moderate, mostly inland floodingMoorhead: Very high, mostly inland floodingKurtz: Very high, mostly inland floodingFrontier: High, mostly inland floodingPleasant: High, mostly inland floodingBriarwood: Moderate, mostly inland floodingHarwood: High, mostly inland flooding HarwoodHarwoodReedFargo
Very lowLowModerateHighVery high
Harwoodmostly inland floodingHigh
Harwoodmostly inland floodingHigh
Reedmostly inland floodingHigh
Fargomostly 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. Harwood 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 Harwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Harwood. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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