Natural Disaster Risk in Tower City
North Dakota
Risk Summary for Tower City
Tower City scores 6.4/10 (High 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
🏠 What this means for insurance
Above-average risk — 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: Tower City, North Dakota
Tower City, in Cass 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 Tower City residents and property owners must navigate.
Tower City's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. 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. Secondary hazards include wind and hail.
Within North Dakota, Tower City's risk is, considerably above the 4.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Cass County identifies winter as the foremost hazard, followed by wind and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Tower City residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Tower City: Winter Weather preparedness
- 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.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Tower City
These city-level factors differentiate Tower City from other communities in Cass County and provide geographic context for its hazard exposure.
Population
486
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.7/10
Coordinates
46.9436° N, 97.6828° W
Cass 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 Tower City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Tower City
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.