Natural hazards · Ray

Ray, ND natural hazards

Most of the natural-hazard damage FEMA expects in Ray comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Ray?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ray to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves27%Tornadoes8%Wildfire7%Winter weather6%Everything else13%

By hazard

What Ray faces

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

Inland flooding

39% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once every 3 years in the area

Cold waves

27% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 19 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 10 years in the area

Wildfire

7% of expected damage

Well above average · higher than 93% of U.S. places

Winter weather

6% of expected damage

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

Recorded about 16 times a year in the area

Lower here

HailIce stormsHeat wavesEarthquakesLandslidesStrong 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 Ray flood?

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

of all homes
are insured

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

Insurance rates: Williams County.

Disasters that hit Ray

Federal disasters declared here

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

Brought FEMA money into RayDeclared for Williams County only

Williams County has had 18 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. Ray 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 Ray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ray. 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.