Natural hazards · Raymond

Raymond, ND natural hazards

Most of the natural-hazard damage FEMA expects in Raymond comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 28 claims here since 1978.

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

Expected damage

How exposed is Raymond?

High

vs. U.S. communities

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

Inland flooding51%Strong wind13%Tornadoes12%Cold waves9%Hail8%Everything else8%

By hazard

What Raymond faces

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

Inland flooding

51% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Strong wind

13% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 10 years in the area

Cold waves

9% of expected damage

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

Recorded about 19 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

Lower here

Ice 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 Raymond flood?

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

28paid claims since 1978

$150Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Not a named storm: 5 claims, $5K
Severe flooding: 2 claims, $3K
Midwest Flooding: 2 claims, $8K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Raymond 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 Raymond

Federal disasters declared here

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

Brought FEMA money into RaymondDeclared for Cass County only

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

Around Raymond

Raymond and the towns around it

Very lowLowModerateHighVery high

Raymondmostly inland floodingHigh

Reedmostly inland floodingHigh

Mapletonmostly inland floodingHigh

Harmonymostly inland floodingModerate

Berlinmostly strong windsModerate

West Fargomostly 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. Raymond covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Raymond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Raymond. 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 Raymond total about $4.2M 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.