Climate Risk Atlas/ND/Minot AFB/58705

Minot AFB, ND (58705) Cold Wave & Climate Risk Profile

The primary drivers of climate-related financial risk in Minot AFB, ND (58705) are Cold Wave, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Winter Weather and Ice Storm 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 58705

FEMA Flood Maps for 58705 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
Very Low
Relative Vulnerability
$96,334
Annualized Property Exposure

Primary Risks

Cold Wave

$334,570

Expected Annual Loss for Zip Code 58705

94.4Score

Relatively High compared to US average

Inland Flooding

$96,334

Expected Annual Loss for Zip Code 58705

3.4Score

Very Low compared to US average

Tornado

$62,604

Expected Annual Loss for Zip Code 58705

55.6Score

Relatively Moderate compared to US average

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$334,570
Score: 94.4
MAJOR DRIVER
Inland Flooding
$96,334
Score: 3.4
MAJOR DRIVER
Tornado
$62,604
Score: 55.6
UNUSUALLY HIGH
Winter Weather
$49,657
Score: 99.1
Hail
$28,563
Score: 79.3
Strong Wind
$20,585
Score: 64.2
UNUSUALLY HIGH
Ice Storm
$17,326
Score: 86.2
Heat Wave
$3,943
Score: 6.4
Wildfire
$2,292
Score: 76.1
Earthquake
$869
Score: 6.9
Lightning
$578
Score: 4.4
Drought
$2
Score: 68.2

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: 94.4
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 3.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 55.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.1
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 86.2

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 58704Zip Code 58703