🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 58321

Brocket, North Dakota

5.1out of 10
Moderate Risk

Risk Summary for ZIP 58321

ZIP 58321 scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Ice Storm Wildfire

All 18 Hazard Scores

Winter Weather
9.1
Wildfire
8.2
Ice Storm
8.2
Cold Wave
7.7
Hail
7.2
Strong Wind
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.0
Drought
3.7
Tornado
3.6
Hurricane
2.4
Extreme Heat
2.3
Lightning
2.2
Earthquake
1.8
Riverine Flooding
1.0

How it compares

ZIP 58321
5.1
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 58321, North Dakota

Located in the northern tier of the continental United States, ZIP 58321 serves the Brocket community. The continental climate of this part of North Dakota β€” bringing extremely cold winters and short, warm summers with prairie wind exposure β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 58321's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include ice storm and wildfire.

Relative to other U.S. communities, ZIP 58321's natural disaster risk is above the U.S. national average of 4.5/10, near the 4.7/10 state average. The hazard distribution here is led by winter and ice storm, as measured by FEMA across North Dakota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 58321 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 winter is recommended.

What this means for ZIP 58321: Winter Weather preparedness

  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 58321

These city-level factors differentiate ZIP 58321 from other communities in North Dakota County and provide geographic context for its hazard exposure.

Population

140

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

48.2025Β° N, 98.3271Β° 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 58321

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.