Natural Disaster Risk — ZIP Code 58501
Bismarck, North Dakota
Risk Summary for ZIP 58501
ZIP 58501 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 58501, North Dakota
Located in the northern tier of the continental United States, ZIP 58501 serves the Bismarck community. The continental climate of this part of North Dakota — bringing extremely cold winters and short, warm summers with prairie wind exposure — directly shapes the hazard exposure for properties in this postal area.
ZIP 58501's overall natural disaster risk is rated 6.3/10 (High) 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 hail and cold wave.
Relative to other U.S. communities, ZIP 58501's natural disaster risk is above the U.S. national average of 4.5/10, considerably above the 4.7/10 state average. The hazard distribution here is led by winter and hail, as measured by FEMA across North Dakota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 58501's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 58501: 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 58501
These city-level factors differentiate ZIP 58501 from other communities in North Dakota County and provide geographic context for its hazard exposure.
Population
29,405
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.6/10
Coordinates
46.8189° N, 100.7023° 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 58501
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.