Natural hazards · Underwood

Underwood, ND natural hazards

Most of the natural-hazard damage FEMA expects in Underwood comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Underwood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Underwood to be higher than in 36% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding28%Hail9%Strong wind8%Tornadoes8%Everything else10%

By hazard

What Underwood faces

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

Cold waves

38% of expected damage

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

Recorded about 19 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once every 2 years in the area

Hail

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 5 years in the area

Lower here

Ice stormsWinter weatherHeat 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 Underwood flood?

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

3paid claims since 1978

$4Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 2 claims, $3K

of all homes
are insured

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

Insurance rates: McLean County.

Disasters that hit Underwood

3 federal disasters brought FEMA money here

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

Brought FEMA money into UnderwoodDeclared for McLean County only

2011

Flooding

$35K to the City of Underwood for repairs

2009

Severe Storms and Flooding

3 households applied for aid $4K aid approved $18K to the City of Underwood for repairs

2004

Snow

$1K to the City of Underwood for repairs

McLean County has had 22 natural disasters declared since 1953, most often severe storms and floods.

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