Natural Disaster Risk — ZIP Code 58355

Natural Hazard Profile: ZIP 58355, North Dakota

ZIP 58355 in Nekoma 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 58355 carries an overall risk score of 4.8/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to winter and cold wave.

Within North Dakota, ZIP 58355'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 ice storm as the foremost hazard, followed by winter and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 58355'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 ice storm exposure is adequately protected is a worthwhile step for property owners.