Natural hazards · Twin Tree

Twin Tree, ND natural hazards

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

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

Expected damage

How exposed is Twin Tree?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Twin Tree to be higher than in 58% of U.S. communities, mostly from cold waves.

Cold waves48%Strong wind12%Inland flooding10%Wildfire8%Ice storms6%Hail6%Everything else10%

By hazard

What Twin Tree faces

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

Cold waves

48% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 23 times a year in the area

Strong wind

12% of expected damage

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

Recorded about once a year in the area

Inland flooding

10% of expected damage

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

Recorded about 2 times a year in the area

Wildfire

8% of expected damage

Well above average · higher than 97% of U.S. places

Ice storms

6% of expected damage

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

Recorded about once a year in the area

Hail

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHeat wavesEarthquakesLandslidesLightningDrought

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 Twin Tree flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benson County.

Disasters that hit Twin Tree

Federal disasters declared here

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

Brought FEMA money into Twin TreeDeclared for Benson County only

Benson County has had 26 natural disasters declared since 1953, most often floods and severe storms.

Around Twin Tree

Twin Tree and the towns around it

Very lowLowModerateHighVery high

Wood Lakemostly cold wavesHigh

Twin Treemostly cold wavesModerate

Rockmostly cold wavesModerate

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