Natural hazards · Spring Lake

Spring Lake, ND natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Spring Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake to be higher than in 21% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves43%Inland flooding27%Tornadoes8%Winter weather6%Hail5%Everything else10%

By hazard

What Spring Lake faces

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

Cold waves

43% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 21 times a year in the area

Inland flooding

27% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 4 years in the area

Winter weather

6% of expected damage

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

Recorded about 20 times a year in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsHeat wavesWildfireEarthquakesLandslidesStrong 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 Spring Lake flood?

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

of all homes
are insured

No community discount. Spring 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: Ward County.

Disasters that hit Spring Lake

Federal disasters declared here

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

Brought FEMA money into Spring LakeDeclared for Ward County only

Ward County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around Spring Lake

Spring Lake and the towns around it

Very lowLowModerateHighVery high

Rosemontmostly cold wavesLow

Spring Lakemostly cold wavesLow

Cameronmostly cold wavesLow

Hiltonmostly cold wavesLow

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. Spring Lake 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 Spring Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spring Lake. 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.