Natural Disaster Risk — ZIP Code 58564

Natural Hazard Profile: ZIP 58564, North Dakota

Located in the northern tier of the continental United States, ZIP 58564 serves the Raleigh 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 58564's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include cold wave and winter.

Relative to other U.S. communities, ZIP 58564's natural disaster risk is near the U.S. national average of 4.5/10, near the 4.7/10 state average. The hazard distribution here is led by hail and cold wave, as measured by FEMA across North Dakota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 58564'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.