Natural hazards · Neche

Neche, ND natural hazards

Most of the natural-hazard damage FEMA expects in Neche comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1997. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Neche?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Neche to be higher than in 37% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves36%Everything else24%

By hazard

What Neche faces

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

Inland flooding

41% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Cold waves

36% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 23 times a year in the area

Lower here

TornadoesHailIce stormsWinter 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 Neche flood?

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

5paid claims since 1997

$24Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Neche 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Neche

7 federal disasters brought FEMA money here

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

Brought FEMA money into NecheDeclared for Pembina County only

2022

Severe Winter Storm and Flooding

$72K to the City of Neche for repairs

2017

Flooding

$18K to the City of Neche for repairs

2011

Flooding

$9K to the City of Neche for repairs

2010

Flooding

$945 to the City of Neche for repairs

2009

Severe Storms and Flooding

7 households applied for aid $4K aid approved $62K to the City of Neche for repairs

2006

Severe Storms, Flooding, and Ground Saturation

$34K to the City of Neche for repairs

2005

Severe Storms, Flooding, and Ground Saturation

$15K to the City of Neche for repairs

Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Neche

Neche and the towns around it

Very lowLowModerateHighVery high

Nechemostly inland floodingLow

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