Natural hazards · Tolgen

Tolgen, ND natural hazards

Most of the natural-hazard damage FEMA expects in Tolgen comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Tolgen?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tolgen to be higher than in 21% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves43%Inland flooding27%Tornadoes8%Winter weather6%Hail5%Everything else10%

By hazard

What Tolgen faces

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

Cold waves

43% of expected damage

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

Recorded about 21 times a year in the area

Inland flooding

27% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 4 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

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice 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 Tolgen flood?

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

of all homes
are insured

No community discount. Tolgen 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 Tolgen

Federal disasters declared here

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

Brought FEMA money into TolgenDeclared for Ward County only

Ward County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around Tolgen

Tolgen and the towns around it

Very lowLowModerateHighVery high

Tolgenmostly cold wavesLow

Rolling Greenmostly cold wavesLow

Mandanmostly cold wavesLow

Lintonmostly cold wavesLow

Shealymostly cold wavesLow

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