Natural hazards · Hay Creek

Hay Creek, ND natural hazards

Most of the natural-hazard damage FEMA expects in Hay Creek comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Hay Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hay Creek to be higher than in 70% of U.S. communities, mostly from cold waves and hail.

Cold waves32%Hail24%Inland flooding21%Tornadoes10%Winter weather5%Everything else8%

By hazard

What Hay Creek faces

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

Cold waves

32% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Hail

24% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

21% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 73% of U.S. places

Winter weather

5% of expected damage

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

Recorded about 19 times a year in the area

Lower here

Ice stormsHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Hay Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Burleigh County.

Disasters that hit Hay Creek

Federal disasters declared here

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

Brought FEMA money into Hay CreekDeclared for Burleigh County only

Burleigh County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Hay Creek

Hay Creek and the towns around it

Very lowLowModerateHighVery high

Bismarckmostly inland floodingHigh

Gibbsmostly cold wavesHigh

Hay Creekmostly cold wavesHigh

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. Hay Creek covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hay Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hay Creek. 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 Hay Creek total about $8.8M 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.