Natural Disaster Risk — ZIP Code 58838

Natural Hazard Profile: ZIP 58838, North Dakota

ZIP 58838 in Cartwright 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 58838 carries an overall risk score of 5.3/10, 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 cold wave and hail.

Within North Dakota, ZIP 58838's risk is, slightly above the 4.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of North Dakota identifies winter as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 58838's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that winter exposure is adequately protected is a worthwhile step for property owners.