Climate Risk Atlas/ND/Wishek/58495

Wishek, ND (58495) Cold Wave & Climate Risk Profile

The primary drivers of climate-related financial risk in Wishek, ND (58495) are Cold Wave, Inland Flooding, and Hail. This area also faces an unusually high intensity for Strong Wind, Tornado, Winter Weather, Wildfire, Ice Storm, and Drought compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Zip Code Risk Map

Flood Plain Analysis

Significant Flood Exposure in 58495

FEMA Flood Maps for 58495 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively High
Relative Vulnerability
$374,695
Annualized Property Exposure

Primary Risks

Cold Wave

$2,087,880

Expected Annual Loss for Zip Code 58495

100.0Score

Very High compared to US average

Inland Flooding

$374,695

Expected Annual Loss for Zip Code 58495

86.7Score

Relatively High compared to US average

Hail

$163,586

Expected Annual Loss for Zip Code 58495

99.4Score

Very High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$2,087,880
Score: 100.0
MAJOR DRIVER
Inland Flooding
$374,695
Score: 86.7
MAJOR DRIVER
Hail
$163,586
Score: 99.4
UNUSUALLY HIGH
Strong Wind
$102,881
Score: 99.3
UNUSUALLY HIGH
Tornado
$101,424
Score: 89.8
UNUSUALLY HIGH
Winter Weather
$63,470
Score: 100.0
UNUSUALLY HIGH
Wildfire
$48,476
Score: 96.2
UNUSUALLY HIGH
Ice Storm
$32,612
Score: 97.7
UNUSUALLY HIGH
Drought
$8,232
Score: 92.1
Heat Wave
$5,150
Score: 27.1
Lightning
$4,300
Score: 59.8
Earthquake
$1,590
Score: 19.9
Landslide
$1
Score: 52.7

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 100.0
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 86.7
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 99.4
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 99.3
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 89.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 100.0
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 96.2
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 97.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.1

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations

Zip Code 58413