Natural hazards · Summit

Summit, ND natural hazards

Most of the natural-hazard damage FEMA expects in Summit comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1997.

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

Expected damage

How exposed is Summit?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summit to be higher than in 44% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves40%Inland flooding32%Hail11%Tornadoes8%Everything else9%

By hazard

What Summit faces

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

Cold waves

40% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 17 times a year in the area

Inland flooding

32% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Hail

11% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 6 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Summit flood?

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

10paid claims since 1997

$71Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Winter storm: 2 claims, $10K
Severe flooding: 2 claims, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Richland County.

Disasters that hit Summit

Federal disasters declared here

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

Brought FEMA money into SummitDeclared for Richland County only

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

Around Summit

Summit and the towns around it

Very lowLowModerateHighVery high

Brandrupmostly inland floodingHigh

Breckenridgemostly inland floodingHigh

Summitmostly cold wavesModerate

Centermostly cold wavesModerate

Brandenburgmostly cold wavesModerate

Devillomostly cold wavesModerate

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