Natural Disaster Risk — ZIP Code 58274

Natural Hazard Profile: ZIP 58274, North Dakota

ZIP 58274 in Portland 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 58274 carries an overall risk score of 4.3/10, placing it in the moderate category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to hail and ice storm.

Within North Dakota, ZIP 58274's risk is, slightly below 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 wind as the foremost hazard, followed by hail and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 58274'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 wind exposure is adequately protected is a worthwhile step for property owners.