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Natural hazards · Reed

Reed, ND natural hazards

Most of the natural-hazard damage FEMA expects in Reed comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 259 claims here since 1978.

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

How exposed is Reed?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reed 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 Reed 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 Reed flood?

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

259paid claims since 1978
$908Kpaid to owners
6homes flooded more than once
19782026

Biggest named events

  • Midwest Flooding: 27 claims, $52K
  • Not a named storm: 23 claims, $64K
  • Severe flooding: 16 claims, $17K

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. Reed 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 Reed

Federal disasters declared here

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

Brought FEMA money into ReedDeclared for Cass County only
Cass County has had 30 natural disasters declared since 1953, most often floods and severe storms.
Around Reed

Reed and the towns around it

Oakport: Very high, mostly inland floodingFargo: Moderate, mostly inland floodingHarwood: High, mostly inland floodingWest Fargo: Low, mostly inland floodingReile's Acres: High, mostly inland floodingRaymond: High, mostly inland floodingHarwood: High, mostly inland floodingNorth River: Low, mostly inland floodingKragnes: Very high, mostly inland floodingMoorhead: High, mostly inland floodingMoland: Very high, mostly inland floodingStanley: Moderate, mostly inland floodingHorace: Moderate, mostly inland floodingMoorhead: Very high, mostly inland floodingKurtz: Very high, mostly inland floodingFrontier: High, mostly inland floodingPleasant: High, mostly inland floodingBriarwood: Moderate, mostly inland floodingMapleton: Low, mostly inland floodingBarnes: Low, mostly inland floodingBerlin: Moderate, mostly strong windsHarmony: Moderate, mostly inland floodingMapleton: High, mostly inland floodingWiser: Moderate, mostly strong windsArgusville: Moderate, mostly strong windsGeorgetown: Very high, mostly inland floodingMorken: Very high, mostly inland floodingReed: High, mostly inland flooding ReedOakportFargoHarwoodWest FargoReile's AcresRaymondHarwoodNorth RiverKragnes
Very lowLowModerateHighVery high
Oakportmostly inland floodingVery high
Kragnesmostly inland floodingVery high
Reedmostly inland floodingHigh
Harwoodmostly inland floodingHigh
Reile's Acresmostly inland floodingHigh
Raymondmostly inland floodingHigh
Harwoodmostly inland floodingHigh
Fargomostly inland floodingModerate
North Rivermostly inland floodingLow
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. Reed 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 Reed’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Reed. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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