Natural Disaster Risk in Ray
North Dakota
Risk Summary for Ray
Ray scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Ray, North Dakota
Ray is a small community of about 1,101 in Williams County, in the northern tier of the continental United States. The area experiences extremely cold winters and short, warm summers with prairie wind exposure, with severe blizzards and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Ray.
According to FEMA's National Risk Index, Ray carries an overall risk score of 5.7/10, placing it in the moderate category. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. The area also faces notable exposure to cold wave and ice storm.
Ray's risk score, slightly above the 4.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Williams County, the highest-scoring are winter, cold wave, and ice storm. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Ray 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 Ray: Winter Weather preparedness
- 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.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Local Factors for Ray
These city-level factors differentiate Ray from other communities in Williams County and provide geographic context for its hazard exposure.
Population
1,101
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.0/10
Coordinates
48.3091Β° N, 103.1570Β° W
Williams 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 Ray
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Ray
Other cities in North Dakota
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.