Natural hazards · McKinley

McKinley, ND natural hazards

Most of the natural-hazard damage FEMA expects in McKinley comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 50 claims here since 1979.

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

Expected damage

How exposed is McKinley?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McKinley to be higher than in 18% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding23%Tornadoes9%Winter weather6%Everything else15%

By hazard

What McKinley faces

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

Cold waves

47% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 21 times a year in the area

Inland flooding

23% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 11 years in the area

Winter weather

6% of expected damage

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

Recorded about 20 times a year in the area

Lower here

HailIce stormsHeat 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 McKinley flood?

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

50paid claims since 1979

$7.9Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Late spring storms: 41 claims, $7.2M

of all homes
are insured

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

Insurance rates: Ward County.

Disasters that hit McKinley

Federal disasters declared here

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

Brought FEMA money into McKinleyDeclared for Ward County only

Ward County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around McKinley

McKinley and the towns around it

Very lowLowModerateHighVery high

McKinleymostly cold wavesVery low

Marylandmostly cold wavesVery low

Eurekamostly cold wavesVery low

Nedrosemostly cold wavesVery low

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. McKinley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to McKinley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of McKinley. 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 McKinley total about $3.0M 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.