Natural hazards · White Lake

White Lake, ND natural hazards

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

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

Expected damage

How exposed is White Lake?

High

vs. U.S. communities

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

Cold waves53%Inland flooding19%Hail9%Strong wind6%Everything else13%

By hazard

What White Lake faces

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

Cold waves

53% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

19% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 28 years in the area

Hail

9% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesIce 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 White Lake flood?

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

of all homes
are insured

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

Insurance rates: Slope County.

Disasters that hit White Lake

Federal disasters declared here

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

Brought FEMA money into White LakeDeclared for Slope County only

Slope County has had 8 natural disasters declared since 1953, most often severe storms and floods.

Around White Lake

White Lake and the towns around it

Very lowLowModerateHighVery high

White Lakemostly cold wavesHigh

Sand Creekmostly cold wavesHigh

Peaceful Valleymostly cold wavesHigh

Moordmostly cold wavesHigh

Connormostly cold wavesHigh

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