🌍 ClimateRiskCheck

Natural Disaster Risk in Surrey

North Dakota

6.0out of 10
High Risk

Risk Summary for Surrey

Surrey scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Ice Storm

All 18 Hazard Scores

Winter Weather
9.9
Cold Wave
9.6
Ice Storm
8.8
Hail
8.6
Wildfire
8.2
Landslide
8.0
Tornado
7.0
Strong Wind
6.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.2
Extreme Heat
3.9
Hurricane
2.4
Earthquake
2.3
Lightning
1.8
Riverine Flooding
1.0

How it compares

Surrey
6.0
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Surrey, North Dakota

Surrey is a small community of about 1,816 in Ward 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 Surrey.

FEMA rates Surrey's composite natural disaster risk at 6.0 out of 10 β€” high risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for cold wave and ice storm risk in their preparedness planning.

Surrey'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 Ward 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.

Surrey's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Surrey: 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 Surrey

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

Population

1,816

Small Town

Geographic 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: 8.2/10

Coordinates

48.3112Β° N, 101.0971Β° W

Ward 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 Surrey

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Surrey

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.