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Natural hazards · Mountain

Mountain, ND natural hazards

Most of the natural-hazard damage FEMA expects in Mountain comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Mountain?

24
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mountain 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 Mountain 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 Mountain flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Mountain 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 Mountain

5 federal disasters brought FEMA money here

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

Brought FEMA money into MountainDeclared for Pembina County only
2009

Severe Storms and Flooding

9 households applied for aid $2K aid approved $49K to the City of Mountain for repairs
2006

Severe Storms, Flooding, and Ground Saturation

$15K to the City of Mountain for repairs
2005

Severe Storms, Flooding, and Ground Saturation

$5K to the City of Mountain for repairs
2001

Severe Storms, Flooding, & Ground Saturation

$2K to the City of Mountain for repairs
1999

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

$8K to the City of Mountain for repairs
Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.
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. Mountain 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 Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mountain. 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.

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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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