Natural hazards · North River

North River, ND natural hazards

Most of the natural-hazard damage FEMA expects in North River comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is North River?

Low

vs. U.S. communities

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

Inland flooding42%Tornadoes20%Strong wind10%Hail8%Cold waves8%Winter weather6%Everything else7%

By hazard

What North River faces

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

Inland flooding

42% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 79 years in the area

Strong wind

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Hail

8% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 19 times a year in the area

Winter weather

6% of expected damage

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

Recorded about 24 times a year in the area

Lower here

Heat 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 North River flood?

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

7paid claims since 1979

$33Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $528
Winter storm: 1 claim, $723

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit North River

3 federal disasters brought FEMA money here

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

Brought FEMA money into North RiverDeclared for Cass County only

2010

Flooding

$3K to the City of North River for repairs

2009

Severe Storms and Flooding

$34K to the City of North River for repairs

2001

Severe Storms, Flooding, & Ground Saturation

$1K to the City of North River for repairs

Cass County has had 30 natural disasters declared since 1953, most often floods and severe storms.

Around North River

North River and the towns around it

Very lowLowModerateHighVery high

Oakportmostly inland floodingVery high

Reedmostly inland floodingHigh

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