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Natural hazards · Surrey

Surrey, ND natural hazards

Most of the natural-hazard damage FEMA expects in Surrey comes from cold waves, and overall the risk is very low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Surrey?

18
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Surrey to be higher than in 18% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding23%Tornadoes9%Winter weather6%Everything else15%
By hazard

What Surrey faces

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

Cold waves

47% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 21 times a year in the area

Inland flooding

23% of expected damage
Well below average · higher than 13% of U.S. places
Recorded about once a year in the area

Tornadoes

9% of expected damage
Above average · higher than 67% of U.S. places
Recorded about once every 11 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

Lower here

HailIce 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 Surrey flood?

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

of all homes
are insured
No community discount. Surrey 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 Surrey

6 federal disasters brought FEMA money here

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

Brought FEMA money into SurreyDeclared for Ward County only
2013

Severe Storms and Flooding

$13K to the City of Surrey for repairs
2011

Flooding

15 households applied for aid $17K aid approved $18K to the City of Surrey for repairs
2010

Flooding

$2K to the City of Surrey for repairs
2009

Severe Storms and Flooding

5 households applied for aid $5K aid approved
2005

Severe Storms, Flooding, and Ground Saturation

$2K to the City of Surrey for repairs
2004

Snow

$1K to the City of Surrey for repairs
Ward County has had 24 natural disasters declared since 1953, most often floods and severe storms.
Around Surrey

Surrey and the towns around it

Surrey: Low, mostly cold wavesNedrose: Very low, mostly cold wavesMaryland: Very low, mostly cold wavesNorwich: Very low, mostly wildfiresNew Prairie: Low, mostly cold wavesKottke Valley: Very low, mostly wildfiresSundre: Low, mostly cold wavesMinot: Very low, mostly cold wavesHarrison: Very low, mostly cold wavesMcKinley: Very low, mostly cold wavesSurrey: Very low, mostly cold waves SurreySurreyNedrose
Very lowLowModerateHighVery high
Surreymostly cold wavesLow
Surreymostly cold wavesVery low
Nedrosemostly 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. Surrey 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 Surrey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Surrey. 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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