Natural hazards · Truman

Truman, ND natural hazards

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

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

Expected damage

How exposed is Truman?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Truman to be higher than in 11% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves56%Inland flooding17%Tornadoes6%Strong wind6%Winter weather5%Everything else11%

By hazard

What Truman faces

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

Cold waves

56% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 22 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

6% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 4 years in the area

Strong wind

6% of expected damage

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

Recorded about once a year in the area

Winter weather

5% of expected damage

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

Recorded about 21 times a year in the area

Lower here

HailIce stormsHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Truman flood?

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

of all homes
are insured

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

Insurance rates: Pierce County.

Disasters that hit Truman

Federal disasters declared here

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

Brought FEMA money into TrumanDeclared for Pierce County only

Pierce County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around Truman

Truman and the towns around it

Very lowLowModerateHighVery high

Hillsdalemostly cold wavesLow

Trumanmostly cold wavesVery low

Whitemostly cold wavesVery low

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