Natural hazards · McHenry

McHenry, ND natural hazards

Most of the natural-hazard damage FEMA expects in McHenry 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 McHenry?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McHenry to be higher than in 65% of U.S. communities, mostly from cold waves and strong winds.

Cold waves40%Strong wind23%Inland flooding13%Hail9%Tornadoes5%Everything else9%

By hazard

What McHenry faces

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

Cold waves

40% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 20 times a year in the area

Strong wind

23% 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

13% of expected damage

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

Recorded about once every 4 years in the area

Hail

9% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 3 years in the area

Lower here

Ice 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 McHenry flood?

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

of all homes
are insured

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

Insurance rates: Foster County.

Disasters that hit McHenry

Federal disasters declared here

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

Brought FEMA money into McHenryDeclared for Foster County only

Foster County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around McHenry

McHenry and the towns around it

Very lowLowModerateHighVery high

Bryanmostly cold wavesHigh

McHenrymostly cold wavesHigh

Florancemostly cold wavesHigh

Glenfieldmostly cold wavesHigh

Paradisemostly 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. McHenry 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 McHenry’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of McHenry. 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.