Natural hazards · Thompson

Thompson, ND natural hazards

Most of the natural-hazard damage FEMA expects in Thompson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1997. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thompson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thompson to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves16%Hail9%Tornadoes7%Everything else15%

By hazard

What Thompson faces

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

Inland flooding

52% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

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

Recorded about 22 times a year in the area

Hail

9% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 6 years in the area

Lower here

Ice 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 Thompson flood?

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

3paid claims since 1997

$8Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grand Forks County.

Disasters that hit Thompson

7 federal disasters brought FEMA money here

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

Brought FEMA money into ThompsonDeclared for Grand Forks County only

2025

Severe Storms, Straight-Line Winds, and Tornadoes

$14K to the City of Thompson for repairs

2022

Severe Winter Storm and Flooding

$14K to the City of Thompson for repairs

2019

Flooding

$9K to the City of Thompson for repairs

2009

Severe Storms and Flooding

5 households applied for aid $2K aid approved $13K to the City of Thompson for repairs

2007

Severe Storms and Tornadoes

1 household applied for aid $5K aid approved

2005

Severe Storms, Flooding, and Ground Saturation

$13K to the City of Thompson for repairs

2001

Severe Storms, Flooding, & Ground Saturation

$166K to the City of Thompson for repairs

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

Around Thompson

Thompson and the towns around it

Very lowLowModerateHighVery high

Thompsonmostly inland floodingModerate

Wallemostly inland floodingModerate

Allendalemostly 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. Thompson 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 Thompson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thompson. 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.