🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 58259

Michigan, North Dakota

4.7out of 10
Moderate Risk

Risk Summary for ZIP 58259

ZIP 58259 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Winter Weather

All 18 Hazard Scores

Hail
8.3
Ice Storm
8.3
Winter Weather
7.8
Wildfire
7.2
Cold Wave
6.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.0
Strong Wind
3.8
Drought
3.6
Tornado
3.1
Hurricane
2.4
Extreme Heat
2.0
Lightning
1.7
Earthquake
1.4
Riverine Flooding
1.0

How it compares

ZIP 58259
4.7
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: ZIP 58259, North Dakota

ZIP 58259 in Michigan 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 58259 carries an overall risk score of 4.7/10, 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 58259'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.

With a moderate risk rating, ZIP 58259 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 ZIP 58259: 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.

Risk for the surrounding area

Local Factors for ZIP 58259

These city-level factors differentiate ZIP 58259 from other communities in North Dakota County and provide geographic context for its hazard exposure.

Population

393

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.2/10

Coordinates

48.0205Β° N, 98.1217Β° 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 58259

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.