Natural Disaster Risk — ZIP Code 58644
Marshall, North Dakota
Risk Summary for ZIP 58644
ZIP 58644 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 58644, North Dakota
ZIP 58644 covers part of the Marshall 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 58644's composite natural disaster risk at 4.8 out of 10 — moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for wildfire and winter risk in their preparedness planning.
ZIP 58644's risk score, near 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 hail, wildfire, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 58644 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.
What this means for ZIP 58644: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
Risk for the surrounding area
Local Factors for ZIP 58644
These city-level factors differentiate ZIP 58644 from other communities in North Dakota County and provide geographic context for its hazard exposure.
Population
19
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.1°
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
47.1409° N, 102.3587° 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 58644
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.