Natural hazards · Kulm

Kulm, ND natural hazards

Most of the natural-hazard damage FEMA expects in Kulm comes from cold waves, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kulm?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kulm to be higher than in 30% of U.S. communities, mostly from cold waves.

Cold waves49%Strong wind15%Inland flooding12%Hail12%Everything else12%

By hazard

What Kulm faces

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

Cold waves

49% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 17 times a year in the area

Strong wind

15% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

12% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 3 years in the area

Hail

12% of expected damage

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

Recorded about 3 times a year in the area

Lower here

TornadoesIce 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 Kulm flood?

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

of all homes
are insured

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

Insurance rates: LaMoure County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Kulm

5 federal disasters brought FEMA money here

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

Brought FEMA money into KulmDeclared for LaMoure County only

2023

Severe Winter Storm and Straight-Line Winds

$5K to the City of Kulm for repairs

2011

Flooding

$1K to the City of Kulm for repairs

2010

Flooding

$11K to the City of Kulm for repairs

2009

Severe Storms and Flooding

6 households applied for aid $13K aid approved $5K to the City of Kulm for repairs

1999

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

$1.1M to the City of Kulm for repairs

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

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