Natural Disaster Risk β ZIP Code 58712
Balfour, North Dakota
Risk Summary for ZIP 58712
ZIP 58712 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β 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 58712, North Dakota
ZIP 58712 in Balfour sits in the northern tier of the continental United States. Its continental climate produces extremely cold winters and short, warm summers with prairie wind exposure, and notably severe blizzards and spring flooding. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 58712 carries an overall risk score of 4.8/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to wildfire and ice storm.
Within North Dakota, ZIP 58712's risk is, near the 4.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of North Dakota identifies winter as the foremost hazard, followed by wildfire and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 58712 residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for winter is recommended.
What this means for ZIP 58712: Winter Weather preparedness
- 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.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Risk for the surrounding area
Local Factors for ZIP 58712
These city-level factors differentiate ZIP 58712 from other communities in North Dakota County and provide geographic context for its hazard exposure.
Population
61
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.0Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.9/10
Coordinates
47.9680Β° N, 100.5456Β° 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 58712
Last 12 months Β· 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 1β10 across all US counties. This information is for general awareness only β consult official emergency management resources and a licensed insurer for property-specific advice.