🌍 ClimateRiskCheck

Natural Disaster Risk in Hamilton

North Dakota

4.9out of 10
Moderate Risk

Risk Summary for Hamilton

Hamilton scores 4.9/10 (Moderate risk), near 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
8.4
Ice Storm
8.2
Cold Wave
7.6
Wildfire
6.8
Hail
6.3
Tsunami
5.4
Volcanic Activity
5.1
Lightning
4.9
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.3
Drought
4.0
Strong Wind
3.8
Tornado
3.1
Hurricane
2.4
Extreme Heat
2.4
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Hamilton
4.9
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: Hamilton, North Dakota

Located in the northern tier of the continental United States in Pembina County, Hamilton is a small unincorporated community. The continental climate that characterizes this part of North Dakota β€” marked by extremely cold winters and short, warm summers with prairie wind exposure β€” directly influences the types and severity of natural hazards present, making Hamilton a community where hazard awareness has real practical value.

FEMA rates Hamilton's composite natural disaster risk at 4.9 out of 10 β€” moderate risk. 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. Residents should also account for ice storm and cold wave risk in their preparedness planning.

Relative to other U.S. communities, Hamilton's natural disaster risk is near the U.S. national average of 4.5/10, near the 4.7/10 state average. The hazard distribution here is led by winter and ice storm, as measured by FEMA across Pembina County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Hamilton 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 Hamilton: Winter Weather preparedness

  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • 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.

Local Factors for Hamilton

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

Population

114

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

48.7795Β° N, 97.3979Β° W

Pembina 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 Hamilton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hamilton

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.