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Natural hazards · Minot

Minot, ND natural hazards

Most of the natural-hazard damage FEMA expects in Minot comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 616 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Minot?

9
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minot to be higher than in 9% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves52%Inland flooding20%Tornadoes10%Winter weather8%Everything else12%
By hazard

What Minot faces

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

Cold waves

52% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 21 times a year in the area

Inland flooding

20% of expected damage
Well below average · higher than 7% of U.S. places
Recorded about once a year in the area

Tornadoes

10% of expected damage
Above average · higher than 65% of U.S. places

Winter weather

8% 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 Minot flood?

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

616paid claims since 1979
$56.9Mpaid to owners
7homes flooded more than once
19792026

Biggest named events

  • Late spring storms: 440 claims, $54.5M
  • Not a named storm: 57 claims, $392K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of all homes
are insured
🏷️ 20% off flood insurance. Minot is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Ward County.

What’s been done with FEMA grants

1buildings floodproofed
Disasters that hit Minot

9 federal disasters brought FEMA money here

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

Brought FEMA money into MinotDeclared for Ward County only
2014

Severe Storms and Flooding

$359K to the City of Minot for repairs
2013

Severe Storms and Flooding

$183K to the City of Minot for repairs
2011

Flooding

6,961 households applied for aid $85.2M aid approved $9.1M to the City of Minot for repairs
2010

Flooding

$26K to the City of Minot for repairs
2009

Severe Storms and Flooding

112 households applied for aid $165K aid approved $116K to the City of Minot for repairs
2005

Severe Winter Storm and Record And/Or Near Record Snow

$102K to the City of Minot for repairs
2005

Severe Storms, Flooding, and Ground Saturation

$12K to the City of Minot for repairs
2004

Snow

$26K to the City of Minot for repairs
1999

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

$241K to the City of Minot for repairs
Ward County has had 24 natural disasters declared since 1953, most often floods and severe storms.
Around Minot

Minot and the towns around it

Nedrose: Very low, mostly cold wavesHarrison: Very low, mostly cold wavesAfton: Low, mostly cold wavesSundre: Low, mostly cold wavesEureka: Very low, mostly cold wavesSurrey: Very low, mostly cold wavesSurrey: Low, mostly cold wavesMcKinley: Very low, mostly cold wavesNew Prairie: Low, mostly cold wavesBurlington: Low, mostly cold wavesBurlington: Low, mostly cold wavesBurt: Low, mostly cold wavesFreedom: Low, mostly cold wavesWillis: Low, mostly cold wavesKirkelie: Very low, mostly cold wavesMinot: Very low, mostly cold waves MinotNedroseHarrisonAftonSundreEureka
Very lowLowModerateHighVery high
Sundremostly cold wavesLow
Aftonmostly cold wavesLow
Harrisonmostly cold wavesVery low
Eurekamostly cold wavesVery low
Nedrosemostly cold wavesVery low
Minotmostly 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. Minot covers 9 census tracts, combined by population.
Money that reached townFlood claims are matched to Minot’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Minot. 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 Minot total about $20.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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