Natural hazards · White Shield

White Shield, ND natural hazards

Most of the natural-hazard damage FEMA expects in White Shield 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 White Shield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Shield to be higher than in 15% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves44%Inland flooding18%Hail10%Strong wind8%Tornadoes7%Wildfire5%Everything else8%

By hazard

What White Shield faces

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

Cold waves

44% of expected damage

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

Recorded about 19 times a year in the area

Inland flooding

18% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once every 2 years in the area

Hail

10% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 8 years in the area

Wildfire

5% of expected damage

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

Lower here

Ice stormsWinter weatherHeat 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 White Shield flood?

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

of all homes
are insured

No community discount. White Shield 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 White Shield

Federal disasters declared here

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

Brought FEMA money into White ShieldDeclared for McLean County only

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

Around White Shield

White Shield and the towns around it

Very lowLowModerateHighVery high

Roseglenmostly cold wavesLow

Blackwatermostly cold wavesLow

White Shieldmostly 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. White Shield 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 Shield’s own flood-insurance community; household aid to the registrant’s city; repair grants to White Shield. 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.