🌍 ClimateRiskCheck

Natural Disaster Risk in Fort Totten

North Dakota

5.3out of 10
Moderate Risk

Risk Summary for Fort Totten

Fort Totten scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Ice Storm Cold Wave

All 18 Hazard Scores

Winter Weather
9.0
Ice Storm
8.5
Cold Wave
8.4
Wildfire
8.3
Hail
7.4
Strong Wind
7.3
Landslide
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.2
Tornado
3.1
Hurricane
2.4
Extreme Heat
2.3
Lightning
2.0
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Fort Totten
5.3
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: Fort Totten, North Dakota

Fort Totten, in Benson County, is a small community of about 1,177 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 Fort Totten residents and property owners must navigate.

According to FEMA's National Risk Index, Fort Totten carries an overall risk score of 5.3/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to ice storm and cold wave.

Within North Dakota, Fort Totten'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 Benson County identifies winter as the foremost hazard, followed by ice storm and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Fort Totten 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 Fort Totten: 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 Fort Totten

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

Population

1,177

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.3/10

Coordinates

47.9723Β° N, 99.0041Β° W

Benson 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 Fort Totten

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Fort Totten

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.