Natural Disaster Risk — ZIP Code 58463

Natural Hazard Profile: ZIP 58463, North Dakota

ZIP 58463 in Mcclusky 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 58463 carries an overall risk score of 4.3/10, 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 winter and ice storm.

Within North Dakota, ZIP 58463'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 hail as the foremost hazard, followed by winter and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 58463'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 hail exposure is adequately protected is a worthwhile step for property owners.