Natural hazards · Ludden

Ludden, ND natural hazards

Most of the natural-hazard damage FEMA expects in Ludden comes from cold waves, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ludden?

Low

vs. U.S. communities

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

Cold waves54%Inland flooding17%Hail8%Strong wind7%Tornadoes6%Everything else9%

By hazard

What Ludden faces

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

Cold waves

54% of expected damage

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

Recorded about 17 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 2 years in the area

Hail

8% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 11 years in the area

Lower here

Ice stormsWinter weatherHeat 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 Ludden flood?

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

Disasters that hit Ludden

1 federal disaster brought FEMA money here

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

Brought FEMA money into LuddenDeclared for Dickey County only

1999

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

$2K to the City of Ludden for repairs

Dickey County has had 28 natural disasters declared since 1953, most often floods and severe storms.

Around Ludden

Ludden and the towns around it

Very lowLowModerateHighVery high

Luddenmostly cold wavesLow

Lovellmostly cold wavesLow

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