Natural Disaster Risk — ZIP Code 58386

Natural Hazard Profile: ZIP 58386, North Dakota

ZIP 58386 covers part of the York 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 58386's composite natural disaster risk at 5.3 out of 10 — moderate risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for ice storm and cold wave risk in their preparedness planning.

ZIP 58386's risk score, slightly above the 4.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, ice storm, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 58386'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 winter exposure is adequately protected is a worthwhile step for property owners.