Natural hazards · St. Thomas

St. Thomas, ND natural hazards

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

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

Expected damage

How exposed is St. Thomas?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Thomas to be higher than in 79% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves27%Everything else17%

By hazard

What St. Thomas faces

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

Inland flooding

56% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 23 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 St. Thomas flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pembina County.

Disasters that hit St. Thomas

Federal disasters declared here

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

Brought FEMA money into St. ThomasDeclared for Pembina County only

Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around St. Thomas

St. Thomas and the towns around it

Very lowLowModerateHighVery high

St. Thomasmostly inland floodingHigh

Midlandmostly inland floodingHigh

Hamiltonmostly inland floodingHigh

Lodemamostly inland floodingLow

Farmingtonmostly 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. St. Thomas 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 St. Thomas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of St. Thomas. 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.