Property Atlas

County hazard profile

Ward, ND

North Dakota · pop. 69,879 · FIPS 38101

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Ward $37M

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 64.76/100
national median ~50 near the national middle (65th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 76.75/100
national median ~50 higher than 77% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ward

The National Flood Insurance Program has paid 1,107 flood-insurance claims totaling $69.5M in Ward since 1978. The costliest year was 2011 ($66.9M paid).

Flood-insurance dollars paid by year of loss

1978: $3,382 paid 1979: $726,021 paid 1980: $0 paid 1981: $3,161 paid 1982: $7,155 paid 1983: $6,680 paid 1984: $0 paid 1986: $2,294 paid 1987: $57,823 paid 1989: $19,319 paid 1990: $0 paid 1992: $0 paid 1994: $0 paid 1995: $0 paid 1996: $15,587 paid 1997: $235,431 paid 1998: $8,378 paid 1999: $0 paid 2004: $1,252 paid 2005: $1,910 paid 2009: $162,527 paid 2010: $182,085 paid 2011: $66,854,482 paid 2012: $493,671 paid 2013: $289,208 paid 2014: $293,128 paid 2015: $12,659 paid 2018: $0 paid 2019: $0 paid 2020: $31,166 paid 2021: $9,794 paid 2022: $2,133 paid 2023: $55,615 paid 2024: $2,252 paid 2011 · $66.9M 1978 2024
$69.5M
total paid
$62,762
average claim
$766K
largest single claim
37%
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 Ward, ND and where it ranks among U.S. counties. It is not a verdict on whether Ward 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.