Natural Disaster Risk — ZIP Code 58645

Natural Hazard Profile: ZIP 58645, North Dakota

Located in the northern tier of the continental United States, ZIP 58645 serves the Medora 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 58645's overall natural disaster risk is rated 3.5/10 (Low) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include tsunami and hail.

Relative to other U.S. communities, ZIP 58645's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 4.7/10 state average. The hazard distribution here is led by wildfire and tsunami, as measured by FEMA across North Dakota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 58645 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — wildfire — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.