What's actually likely where you live.

ND hazard profile

Primary hazards. Ranked.

The Red River of the North flows through one of the flattest valleys on Earth — the lakebed of ancient glacial Lake Agassiz. The 1997 flood destroyed Grand Forks and East Grand Forks. The 2009 flood crested at a record 40.84 feet in Fargo, requiring 3.5 million sandbags and the largest peacetime mobilization in state history. The 2011 flood was the largest in recorded history at Minot, displacing 12,000 residents. Spring snowmelt floods the Red River every year with varying severity. North Dakota's open plains generate some of the most dangerous winter conditions in the country. Ground blizzards — driven by wind picking up existing snow — reduce visibility to zero for hundreds of miles with no precipitation occurring. I-94 and US-2 close routinely. The October 2013 Atlas blizzard killed 75,000 cattle in neighboring South Dakota and caused widespread livestock losses in ND. Whiteout conditions can materialize within minutes on the open prairie. North Dakota is one of the coldest states in the country. Williston, Rugby, and Devils Lake regularly record -40°F in January and February. Wind chills of -50°F to -60°F occur multiple times per winter. The January 2019 polar vortex pushed temperatures across the state below -40°F for multiple days. Rural agricultural communities face pipe freezes, livestock losses, and vehicle failures in severe cold events.

Insurance gaps

What your homeowner's policy doesn't cover.