Natural hazards · Stanley

Stanley, ND natural hazards

Most of the natural-hazard damage FEMA expects in Stanley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 480 claims here since 1978.

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

Expected damage

How exposed is Stanley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stanley to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding48%Cold waves15%Tornadoes12%Strong wind10%Hail6%Winter weather5%Everything else5%

By hazard

What Stanley faces

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

Inland flooding

48% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

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

Recorded about 19 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 60 years in the area

Strong wind

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

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

Recorded about 4 times a year in the area

Winter weather

5% of expected damage

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

Recorded about 24 times a year in the area

Lower here

Ice stormsHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Stanley flood?

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

480paid claims since 1978

$7.8Mpaid to owners

21homes flooded more than once

19782026

Biggest named events

Not a named storm: 38 claims, $261K
Severe flooding: 16 claims, $32K
Winter storm: 10 claims, $166K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Stanley 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 Stanley

Federal disasters declared here

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

Brought FEMA money into StanleyDeclared for Cass County only

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

Around Stanley

Stanley and the towns around it

Very lowLowModerateHighVery high

Kurtzmostly inland floodingVery high

Holy Crossmostly inland floodingVery high

Frontiermostly inland floodingHigh

Pleasantmostly inland floodingHigh

Warrenmostly inland floodingHigh

Fargomostly inland floodingModerate

Stanleymostly inland floodingModerate

Briarwoodmostly inland floodingModerate

Horacemostly inland floodingModerate

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. Stanley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stanley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Stanley. 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 Stanley total about $1.8M 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.