Natural Disaster Risk — ZIP Code 58504

Natural Hazard Profile: ZIP 58504, North Dakota

Located in the northern tier of the continental United States, ZIP 58504 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 58504'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 58504'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.

With a high natural disaster risk rating, ZIP 58504 residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.