Natural Disaster Risk — ZIP Code 58782
Sherwood, North Dakota
Risk Summary for ZIP 58782
ZIP 58782 scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 58782, North Dakota
ZIP 58782 covers part of the Sherwood 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 58782's composite natural disaster risk at 3.6 out of 10 — low risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for cold wave and tsunami risk in their preparedness planning.
ZIP 58782's risk score, slightly below the 4.7/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, cold wave, and tsunami. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 58782 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 — winter — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for ZIP 58782: Winter Weather preparedness
- 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.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Risk for the surrounding area
Local Factors for ZIP 58782
These city-level factors differentiate ZIP 58782 from other communities in North Dakota County and provide geographic context for its hazard exposure.
Population
499
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.5/10
Coordinates
48.9406° N, 101.7133° 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 58782
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.