Climate Risk Atlas/ND/Unincorporated/58048

Unincorporated, ND (58048) Strong Wind & Climate Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, ND (58048) are Strong Wind, Hail, and Cold Wave. This area also faces an unusually high intensity for Winter Weather, 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

Localized Flood Dynamics in 58048

FEMA Flood Maps for 58048 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 Low
Relative Vulnerability
$301,032
Annualized Property Exposure

Primary Risks

Strong Wind

$568,390

Expected Annual Loss for Zip Code 58048

99.9Score

Very High compared to US average

Hail

$333,173

Expected Annual Loss for Zip Code 58048

99.3Score

Very High compared to US average

Cold Wave

$313,382

Expected Annual Loss for Zip Code 58048

95.9Score

Very High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Strong Wind
$568,390
Score: 99.9
MAJOR DRIVER
Hail
$333,173
Score: 99.3
MAJOR DRIVER
Cold Wave
$313,382
Score: 95.9
Inland Flooding
$301,032
Score: 42.6
Tornado
$106,133
Score: 71.7
UNUSUALLY HIGH
Winter Weather
$31,173
Score: 98.5
UNUSUALLY HIGH
Ice Storm
$30,980
Score: 93.8
Heat Wave
$5,336
Score: 11.6
Lightning
$3,980
Score: 35.2
Wildfire
$1,991
Score: 76.7
UNUSUALLY HIGH
Drought
$1,157
Score: 81.7
Earthquake
$469
Score: 5.1
Landslide
$38
Score: 78.0

Recommended Mitigation Strategies

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

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 99.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 99.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 93.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.7

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 58045