🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 58482

Steele, North Dakota

4.0out of 10
Moderate Risk

Risk Summary for ZIP 58482

ZIP 58482 scores 4.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Hail Cold Wave

All 18 Hazard Scores

Winter Weather
6.5
Hail
6.1
Cold Wave
5.8
Ice Storm
5.7
Tsunami
5.4
Wildfire
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Strong Wind
3.5
Drought
3.5
Tornado
2.7
Hurricane
2.4
Extreme Heat
1.9
Landslide
1.7
Lightning
1.4
Earthquake
1.3
Riverine Flooding
1.0

How it compares

ZIP 58482
4.0
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

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🏠 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 58482, North Dakota

ZIP 58482 covers part of the Steele 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 58482's composite natural disaster risk at 4.0 out of 10 β€” 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 hail and cold wave risk in their preparedness planning.

ZIP 58482's risk score, slightly below the 4.7/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, hail, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 58482 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 58482: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 58482

These city-level factors differentiate ZIP 58482 from other communities in North Dakota County and provide geographic context for its hazard exposure.

Population

960

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.3/10

Coordinates

46.8667Β° N, 99.9047Β° 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 58482

Last 12 months Β· Source: Open-Meteo archive

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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.