🌍 ClimateRiskCheck

Natural Disaster Risk in Rutland

North Dakota

4.4out of 10
Moderate Risk

Risk Summary for Rutland

Rutland scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Cold Wave

All 18 Hazard Scores

Hail
8.0
Ice Storm
7.4
Winter Weather
6.6
Cold Wave
6.6
Strong Wind
6.4
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
4.9
Coastal Flooding
4.9
Avalanche
4.5
Tornado
2.7
Drought
2.7
Landslide
2.6
Hurricane
2.4
Extreme Heat
2.2
Earthquake
1.4
Lightning
1.3
Riverine Flooding
1.0

How it compares

Rutland
4.4
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: Rutland, North Dakota

Rutland, in Sargent 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 Rutland residents and property owners must navigate.

Rutland's overall natural disaster risk is rated 4.4/10 (Moderate) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include ice storm and cold wave.

Within North Dakota, Rutland's risk is, near the 4.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Sargent County identifies hail 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, Rutland 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 hail is recommended.

What this means for Rutland: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Rutland

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

Population

277

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.9/10

Coordinates

46.0683Β° N, 97.4891Β° W

Sargent 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 Rutland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Rutland

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.