Natural hazards · Pearl Lake

Pearl Lake, ND natural hazards

Most of the natural-hazard damage FEMA expects in Pearl Lake comes from cold waves, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1979.

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

Expected damage

How exposed is Pearl Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pearl Lake to be higher than in 62% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves42%Inland flooding22%Strong wind13%Hail11%Everything else12%

By hazard

What Pearl Lake faces

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

Cold waves

42% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

22% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 3 years in the area

Strong wind

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Hail

11% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat 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 Pearl Lake flood?

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

8paid claims since 1979

$32Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $2K

of all homes
are insured

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

Insurance rates: LaMoure County.

Disasters that hit Pearl Lake

Federal disasters declared here

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

Brought FEMA money into Pearl LakeDeclared for LaMoure County only

LaMoure County has had 29 natural disasters declared since 1953, most often floods and severe storms.

Around Pearl Lake

Pearl Lake and the towns around it

Very lowLowModerateHighVery high

Pearl Lakemostly cold wavesHigh

Greenvillemostly cold wavesHigh

Grand Rapidsmostly cold wavesHigh

Gladstonemostly cold wavesHigh

Ryanmostly cold wavesHigh

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. Pearl Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pearl Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pearl Lake. 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 Pearl Lake total about $2.1M 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.