Natural hazards · Lodema

Lodema, ND natural hazards

Most of the natural-hazard damage FEMA expects in Lodema comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Lodema?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lodema to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves31%Ice storms7%Hail5%Everything else23%

By hazard

What Lodema faces

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

Inland flooding

34% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Cold waves

31% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 23 times a year in the area

Ice storms

7% of expected damage

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

Recorded about once every 3 years in the area

Hail

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesWinter weatherHeat 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 Lodema flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pembina County.

Disasters that hit Lodema

Federal disasters declared here

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

Brought FEMA money into LodemaDeclared for Pembina County only

Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Lodema

Lodema and the towns around it

Very lowLowModerateHighVery high

St. Thomasmostly inland floodingHigh

Cavaliermostly inland floodingModerate

Lodemamostly inland floodingLow

Eloramostly inland floodingLow

Parkmostly inland floodingLow

Canton City (Hensel)mostly 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. Lodema 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 Lodema’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lodema. 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.