Natural hazards · Horace

Horace, ND natural hazards

Most of the natural-hazard damage FEMA expects in Horace comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Horace?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horace to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes16%Cold waves11%Strong wind10%Hail7%Winter weather6%Everything else5%

By hazard

What Horace faces

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

Inland flooding

45% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 94% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 19 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Hail

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Winter weather

6% of expected damage

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

Recorded about 24 times a year in the area

Lower here

Ice stormsHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Horace flood?

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

24paid claims since 1978

$108Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 5 claims, $7K
Winter storm: 1 claim, $1K
Late spring storms: 1 claim, $660

of homes in flood zones
are insured

of all homes
are insured

No community discount. Horace 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

32flood-prone properties bought out and cleared

Disasters that hit Horace

2 federal disasters brought FEMA money here

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

Brought FEMA money into HoraceDeclared for Cass County only

2009

Severe Storms and Flooding

56 households applied for aid $71K aid approved $16K to the City of Horace for repairs

2000

Severe Storms, Flooding and Ground Saturation

$4K to the City of Horace for repairs

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

Around Horace

Horace and the towns around it

Very lowLowModerateHighVery high

Warrenmostly inland floodingHigh

Pleasantmostly inland floodingHigh

Normannamostly inland floodingHigh

Fargomostly inland floodingModerate

Stanleymostly inland floodingModerate

Horacemostly inland floodingModerate

West Fargomostly 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. Horace covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Horace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Horace. 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 Horace total about $1.3M 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.