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Natural hazards · Rugby

Rugby, ND natural hazards

Most of the natural-hazard damage FEMA expects in Rugby comes from cold waves, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Rugby?

11
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rugby to be higher than in 11% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves52%Inland flooding18%Tornadoes6%Strong wind6%Winter weather5%Everything else13%
By hazard

What Rugby faces

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

Cold waves

52% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 22 times a year in the area

Inland flooding

18% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about once every 7 years in the area

Tornadoes

6% of expected damage
Above average · higher than 59% of U.S. places
Recorded about once every 7 years in the area

Strong wind

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once a year in the area

Winter weather

5% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 21 times a year in the area

Lower here

HailIce stormsHeat 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 Rugby flood?

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

of all homes
are insured
No community discount. Rugby isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pierce County.
Disasters that hit Rugby

3 federal disasters brought FEMA money here

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

Brought FEMA money into RugbyDeclared for Pierce County only
2017

Flooding

$48K to the City of Rugby for repairs
2011

Flooding

5 households applied for aid $5K aid approved
2009

Severe Storms and Flooding

14 households applied for aid $37K aid approved
Pierce County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Rugby

Rugby and the towns around it

Torgerson: Very low, mostly cold wavesMeyer: Very low, mostly cold wavesPleasant Lake: Low, mostly cold wavesReno Valley: Very low, mostly cold wavesRugby: Very low, mostly cold waves RugbyTorgersonMeyer
Very lowLowModerateHighVery high
Rugbymostly cold wavesVery low
Torgersonmostly cold wavesVery low
Meyermostly cold wavesVery low
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. Rugby 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 Rugby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rugby. 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/18 · 2025-01-01
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