🌍 ClimateRiskCheck

Natural Disaster Risk in Rocklake

North Dakota

3.8out of 10
Low Risk

Risk Summary for Rocklake

Rocklake scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Cold Wave Wildfire

All 18 Hazard Scores

Ice Storm
7.5
Cold Wave
6.3
Wildfire
6.2
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.6
Hail
3.0
Landslide
2.5
Hurricane
2.4
Tornado
1.9
Strong Wind
1.9
Extreme Heat
1.7
Lightning
1.5
Earthquake
1.3
Riverine Flooding
1.0

How it compares

Rocklake
3.8
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

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

Natural Hazard Profile: Rocklake, North Dakota

Rocklake is a small unincorporated community in Towner 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 Rocklake.

According to FEMA's National Risk Index, Rocklake carries an overall risk score of 3.8/10, placing it in the low category. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. The area also faces notable exposure to cold wave and wildfire.

Rocklake's risk score, slightly below the 4.7/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Towner County, the highest-scoring are ice storm, cold wave, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Despite its lower-than-average risk classification, Rocklake is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers ice storm β€” remains prudent for all residents.

What this means for Rocklake: Ice Storm preparedness

  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.
  • Have a backup heat source and charged devices ready before winter storms arrive.

Local Factors for Rocklake

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

Population

157

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: 6.2/10

Coordinates

48.8366Β° N, 99.2363Β° W

Towner 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 Rocklake

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Rocklake

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.