Natural Disaster Risk — ZIP Code 58038
Grandin, North Dakota
Risk Summary for ZIP 58038
ZIP 58038 scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: ZIP 58038, North Dakota
ZIP 58038 covers part of the Grandin area, in the northern tier of the continental United States. The surrounding region experiences extremely cold winters and short, warm summers with prairie wind exposure, with severe blizzards and spring flooding shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 58038's composite natural disaster risk at 4.4 out of 10 — moderate risk. 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. Residents should also account for ice storm and winter risk in their preparedness planning.
ZIP 58038's risk score, near the 4.7/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hail, ice storm, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 58038'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.
What this means for ZIP 58038: Hail preparedness
- 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.
- Document roof and property condition annually to streamline any future hail claims.
Risk for the surrounding area
Local Factors for ZIP 58038
These city-level factors differentiate ZIP 58038 from other communities in North Dakota County and provide geographic context for its hazard exposure.
Population
179
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.3/10
Coordinates
47.2450° N, 96.9948° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 58038
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in North Dakota
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.