🌍 ClimateRiskCheck

Natural Disaster Risk in Courtenay

North Dakota

5.7out of 10
Moderate Risk

Risk Summary for Courtenay

Courtenay scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Hail

All 18 Hazard Scores

Winter Weather
9.7
Hail
9.0
Cold Wave
9.0
Ice Storm
8.8
Wildfire
7.1
Strong Wind
6.9
Landslide
6.9
Tornado
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.3
Extreme Heat
3.4
Hurricane
2.4
Earthquake
2.3
Lightning
1.7
Riverine Flooding
1.0

How it compares

Courtenay
5.7
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Courtenay, North Dakota

Courtenay, in Stutsman County, is a small unincorporated community situated in the northern tier of the continental United States. Its continental climate brings extremely cold winters and short, warm summers with prairie wind exposure, and in particular severe blizzards and spring flooding. These conditions collectively define the natural hazard environment that Courtenay residents and property owners must navigate.

Courtenay's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include cold wave and hail.

Within North Dakota, Courtenay's risk is, slightly above the 4.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Stutsman County identifies winter as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Courtenay residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for winter is recommended.

What this means for Courtenay: Winter Weather preparedness

  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Local Factors for Courtenay

These city-level factors differentiate Courtenay from other communities in Stutsman County and provide geographic context for its hazard exposure.

Population

170

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.1/10

Coordinates

47.2197Β° N, 98.5807Β° W

Stutsman County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Courtenay

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Courtenay

Other cities in North Dakota

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.