🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 58831

Alexander, North Dakota

5.3out of 10
Moderate Risk

Risk Summary for ZIP 58831

ZIP 58831 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Hail

All 18 Hazard Scores

Winter Weather
8.9
Hail
8.2
Cold Wave
8.2
Wildfire
8.0
Ice Storm
7.6
Strong Wind
5.7
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Tornado
4.1
Drought
4.0
Lightning
3.5
Extreme Heat
3.0
Hurricane
2.4
Earthquake
1.9
Riverine Flooding
1.0

How it compares

ZIP 58831
5.3
North Dakota avg.
4.7
US national avg.
4.5

Live Conditions

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🏠 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 58831, North Dakota

Located in the northern tier of the continental United States, ZIP 58831 serves the Alexander community. The continental climate of this part of North Dakota β€” bringing extremely cold winters and short, warm summers with prairie wind exposure β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 58831's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include cold wave and hail.

Relative to other U.S. communities, ZIP 58831's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 4.7/10 state average. The hazard distribution here is led by winter 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.

With a moderate risk rating, ZIP 58831 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 58831: Winter Weather preparedness

  • 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.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.

Risk for the surrounding area

Local Factors for ZIP 58831

These city-level factors differentiate ZIP 58831 from other communities in North Dakota County and provide geographic context for its hazard exposure.

Population

1,089

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.0/10

Coordinates

47.8488Β° N, 103.6584Β° 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 58831

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.