Natural hazards · Warwick

Warwick, ND natural hazards

Most of the natural-hazard damage FEMA expects in Warwick comes from cold waves, and overall the risk is high for a U.S. community. Flood insurance has paid 23 claims here since 1998.

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

Expected damage

How exposed is Warwick?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Warwick to be higher than in 65% of U.S. communities, mostly from cold waves.

Cold waves46%Inland flooding13%Strong wind12%Wildfire8%Ice storms6%Hail5%Everything else10%

By hazard

What Warwick faces

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

Cold waves

46% of expected damage

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

Recorded about 23 times a year in the area

Inland flooding

13% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 2 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 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

5% 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 Warwick flood?

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

23paid claims since 1998

$919Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Severe flooding: 2 claims, $190K
Late spring storms: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Warwick 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 Warwick

Federal disasters declared here

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

Brought FEMA money into WarwickDeclared for Benson County only

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

Around Warwick

Warwick and the towns around it

Very lowLowModerateHighVery high

Warwickmostly cold wavesHigh

Wood Lakemostly cold wavesHigh

Lohnesmostly cold wavesHigh

Mincomostly cold wavesHigh

Warwickmostly cold wavesHigh

Eddymostly cold wavesLow

Odessamostly 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. Warwick covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Warwick’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Warwick. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Warwick total about $1.2M a year, counting buildings, people and crops.

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.