Property Atlas

County hazard profile

Grand Forks, ND

North Dakota · pop. 73,042 · FIPS 38035

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$25M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Grand Forks $25M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 57.67/100
national median ~50 near the national middle (58th percentile)
Social vulnerabilityVery Low 14.38/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 78.31/100
national median ~50 higher than 78% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Grand Forks

The National Flood Insurance Program has paid 3,114 flood-insurance claims totaling $75.6M in Grand Forks since 1978. The costliest year was 1997 ($70.7M paid).

Flood-insurance dollars paid by year of loss

1978: $107,012 paid 1979: $2,041,671 paid 1980: $0 paid 1981: $390 paid 1982: $11,502 paid 1983: $23,628 paid 1984: $229 paid 1987: $5,253 paid 1988: $0 paid 1989: $80,658 paid 1991: $500 paid 1992: $1,865 paid 1993: $0 paid 1994: $0 paid 1995: $0 paid 1996: $135,432 paid 1997: $70,716,813 paid 1998: $0 paid 1999: $18,630 paid 2000: $202,684 paid 2001: $237,315 paid 2002: $76,538 paid 2004: $58,759 paid 2005: $489 paid 2006: $145,494 paid 2007: $5,887 paid 2008: $0 paid 2009: $967,820 paid 2010: $42,636 paid 2011: $191,103 paid 2013: $2,000 paid 2015: $0 paid 2016: $58,587 paid 2018: $0 paid 2019: $278,973 paid 2020: $104,429 paid 2021: $0 paid 2022: $34,895 paid 1997 · $70.7M 1978 2022
$75.6M
total paid
$24,262
average claim
$550K
largest single claim
47%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Grand Forks, ND and where it ranks among U.S. counties. It is not a verdict on whether Grand Forks is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.