Natural Disaster Risk — ZIP Code 58016

Natural Hazard Profile: ZIP 58016, North Dakota

ZIP 58016 in Clifford sits in the northern tier of the continental United States. Its continental climate produces extremely cold winters and short, warm summers with prairie wind exposure, and notably severe blizzards and spring flooding. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 58016 carries an overall risk score of 4.4/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to ice storm and winter.

Within North Dakota, ZIP 58016'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 North Dakota identifies hail as the foremost hazard, followed by ice storm and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 58016's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.