FEMA Records
24
Above median
North Dakota · FEMA + NOAA + National Risk Index
McLean County, ND
24 FEMA disaster declarations (1966-2025), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Flood.
- 24
- FEMA declarations
- 19
- Major disasters
- 43
- NRI risk · Relatively Low
- Flood
- Top hazard
The verdict
McLean County has a nationally busy FEMA history: 24 declarations, more than 66% of counties in this registry. But the state comparison tempers that reading: the total is 7% below the North Dakota county mean. FEMA's separate National Risk Index places the county safer than 43%; that score models loss and vulnerability rather than counting declarations.
- Safer than 43%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 24
- FEMA declarations vs 21 national county avg
- 10
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does McLean County compare?
McLean County vs. all counties in this dataset
FEMA disaster declarations, all-time
24 Top 34% higher than 66% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
McLean County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the North Dakota county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for McLean County is led by Cold Wave (about $5.9M Expected Annual Loss, Historical Loss Ratio Very High), while Winter Weather carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does McLean County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 43.1/100 for this county (Relatively Low rating). Expected Annual Loss comes in at Relatively Low (roughly $16.5M in annualized losses). Social vulnerability (Very Low) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Of the 18 hazards FEMA models, Winter Weather stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 20 times per year here, based on 375 historical events on record.
Declaration frequency
Nationally, McLean County's 24 FEMA records form a high-volume history; within North Dakota, however, the count is 7% below the county mean. 19 entries carry the Major Disaster classification. The largest incident group is Flood, appearing 9 times. The full 59-year record averages 0.4 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 10 claims and $76.7K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a North Dakota county averages 25.9 federal declaration records, while McLean County has 24. The gap is 7% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
64 /100
Historical Activity Index
High historical activity
McLean County, ND · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
17/30
24 OpenFEMA declarations, full ingest window (1.2x national county average)
County Disaster Density Moderate
12/25
24 declarations (0.9x state county average of 26)
Major Disaster Share Very High
20/25
19 of 24 declarations are major disasters (79%)
Hazard Diversity Very High
15/20
6 different disaster types declared in McLean County
Historical Declaration Activity
Activity Band
High
vs. North Dakota Avg
-7%
State avg: 25.9
vs. National Avg
+16%
National avg: 20.7
Avg Per Year
0.4
Over 59 years
FEMA NRI 8-hazard radar - McLean County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
79%
Mostly major
NRI risk score
43
Relatively Low
Source: FEMA National Risk Index FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike McLean County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Winter Weather | Relatively High | an average of 20 times per year |
| Hail | Relatively Moderate | an average of 2.3 times per year |
| Cold Wave | Relatively Moderate | an average of 19 times per year |
| Ice Storm | Relatively Moderate | roughly once every 2 years |
| Wildfire | Relatively Low | roughly once every 2,698 years |
| Strong Wind | Relatively Moderate | an average of 1.3 times per year |
| Tornado | Relatively Low | roughly once every 1 years |
| Riverine Flooding | Very Low | roughly once every 2 years |
| Drought | Relatively Low | 18 modeled event-days per year |
| Landslide | Very Low | roughly once every 3 years |
| Heat Wave | Very Low | 1.6 modeled event-days per year |
| Earthquake | Very Low | roughly once every 11,236 years |
| Lightning | Very Low | an average of 28 times per year |
Source: FEMA National Risk Index FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 9
Flood 9
Biological 2
Snowstorm 2
Coastal Storm 1
Drought 1
What Flood declarations mean here
Flood is the most frequent declaration type on McLean County's record, 38% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 19 79.2%
of all 24 declarations
Emergency - 5 20.8%
of all 24 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2025 | 1 | |
| 2022 | 1 | |
| 2020 | 2 | |
| 2013 | 1 | |
| 2011 | 2 | |
| 2010 | 1 | |
| 2009 | 1 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 2001 | 1 | |
| 2000 | 1 | |
| 1999 | 1 | |
| 1997 | 2 | |
| 1996 | 1 | |
Show 6 earlier declaration years
| 1995 | 1 | |
| 1993 | 1 | |
| 1979 | 1 | |
| 1976 | 1 | |
| 1969 | 1 | |
| 1966 | 1 | |
Disaster Declarations
How the 24 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 24 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4888 | SEVERE STORM, TORNADOES, AND STRAIGHT-LINE WINDS | DR | Severe Storm | 2025-09-11 |
| 4660 | SEVERE WINTER STORM AND FLOODING | DR | Severe Storm | 2022-07-13 |
| 4509 | COVID-19 PANDEMIC | DR | Biological | 2020-04-01 |
| 3477 | COVID-19 | EM | Biological | 2020-03-13 |
| 4128 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2013-07-12 |
| 1981 | FLOODING | DR | Flood | 2011-05-10 |
| 3318 | FLOODING | EM | Flood | 2011-04-07 |
| 1901 | SEVERE WINTER STORM | DR | Severe Storm | 2010-04-21 |
| 1829 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2009-03-24 |
| 1616 | SEVERE WINTER STORM AND RECORD AND/OR NEAR RECORD SNOW | DR | Snowstorm | 2005-11-21 |
| 3247 | HURRICANE KATRINA EVACUATION | EM | Coastal Storm | 2005-09-13 |
| 3196 | SNOW | EM | Snowstorm | 2004-04-02 |
| 1376 | SEVERE STORMS, FLOODING, & GROUND SATURATION | DR | Flood | 2001-05-28 |
| 1334 | SEVERE STORMS, FLOODING AND GROUND SATURATION | DR | Severe Storm | 2000-06-27 |
| 1279 | SEVERE STORMS, FLOODING, SNOW, ICE, GROUND SATURATION, LANSLIDES, MUDSLIDES, AND TOR | DR | Flood | 1999-06-08 |
| 1174 | SEVERE FLOODING,SEVERE WINTER STORMS, SNOWMELT, SPRING RAINS | DR | Flood | 1997-04-07 |
| 1157 | SEVERE WINTER STORMS AND BLIZZARD CONDITIONS | DR | Severe Storm | 1997-01-12 |
| 1118 | SEVERE STORMS,FLOODING, & ICE JAMS | DR | Severe Storm | 1996-06-05 |
| 1050 | SEVERE STORMS, FLOODING, AND GROUND SATURATION | DR | Severe Storm | 1995-05-16 |
| 1001 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-26 |
Show 4 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 581 | SEVERE STORMS, SNOWMELT & FLOODING | DR | Flood | 1979-04-26 |
| 3016 | DROUGHT | EM | Drought | 1976-07-21 |
| 256 | FLOODING | DR | Flood | 1969-04-18 |
| 220 | SEVERE STORMS & FLOODING | DR | Flood | 1966-07-09 |
Storm Events in North Dakota
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to McLean County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Hail | 2,705 | 0 | 2 | $116.1M |
| Thunderstorm Wind | 2,459 | 2 | 10 | $67.0M |
| High Wind | 1,184 | 1 | 1 | $2.9M |
| Heavy Snow | 925 | 0 | 3 | $650.0K |
| Blizzard | 905 | 2 | 2 | $60.0M |
Source: NOAA Storm Events Database NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
10
Total Paid
$76.7K
Avg Per Claim
$7.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 43.1/100
Expected Annual Loss
Relatively Low
$16.5M/year
Social Vulnerability
Very Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Winter Weather Relatively High
Hail Relatively Moderate
Cold Wave Relatively Moderate
Ice Storm Relatively Moderate
Wildfire Relatively Low
Strong Wind Relatively Moderate
Tornado Relatively Low
Riverine Flooding Very Low
Drought Relatively Low
Landslide Very Low
Heat Wave Very Low
Earthquake Very Low
Lightning Very Low
Source: FEMA National Risk Index (NRI) FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Winter Weather
Winter Weather in the model means the accumulation of snow and cold that disrupts rather than destroys: road closures, roof loads, burst pipes and lost heating. Its costs land heavily on transport and on households least able to absorb an interruption.
Worth noting for McLean County: the model and the federal record do NOT point at the same hazard. Winter Weather carries the highest modeled rating (Relatively High), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
McLean County's closest FEMA peer: Newton County, MS
Comparisons use published FEMA declaration fields plus the National Risk Index composite for McLean County. Record similarity, not a safety rating.
Closest declaration profiles
McLean County shows 24 FEMA declarations, led by Flood.
Similar Major-disaster share
McLean County: 19 of 24 of its declarations are Major.
Similar modeled NRI score
McLean County: NRI composite 43.1 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for McLean County - capture-dated entries only.
Further reading for this county
Most disaster-prone counties
With 24 FEMA declarations, McLean County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in McLean County?
The most common disaster type in McLean County is Flood, with 9 declarations. Other disaster types include Severe Storm (9), Biological (2), Snowstorm (2).
How does McLean County's FEMA declaration record compare with the North Dakota average?
The typical North Dakota county has 25.9 FEMA declaration records; McLean County has 24, or 7% fewer. Against the national county mean of 20.7, this county's total is 16% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has McLean County received?
McLean County has received 19 major disaster declarations, representing 79% of all 24 disaster declarations.
How many flood insurance claims has McLean County filed?
McLean County has 10 National Flood Insurance Program (NFIP) claims totaling $76.7K in payments, with an average of $7.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in McLean County?
No. In McLean County, Winter Weather has the highest National Risk Index rating (Relatively High), while Cold Wave leads Expected Annual Loss at about $5.9M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in McLean County?
The most active year for disaster declarations in McLean County was 1997, with 2 declarations. The county has FEMA disaster data spanning 1966 to 2025.
What is the FEMA National Risk Index score for McLean County?
According to the FEMA National Risk Index, McLean County, North Dakota has an overall risk score of 43.1 out of 100 (Relatively Low). Social vulnerability here rates Very Low, while community resilience comes in at Relatively High. The Expected Annual Loss (EAL) score is Relatively Low, representing $16.5M in annualized losses.
Which natural hazard poses the greatest risk to McLean County?
Based on FEMA NRI data, the highest-risk natural hazard in McLean County as of the latest release is Winter Weather (risk rating: Relatively High). Other significant hazards include Hail (Relatively Moderate) and Cold Wave (Relatively Moderate). FEMA's modeled event frequency puts winter weather here at an average of 20 times per year, drawn from 375 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for McLean County
Against a North Dakota county mean of 26 declarations, McLean County, ND records 24, or 7% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (19 of 24) in a declaration history that remains below its state benchmark; frequency here is not a forecast. North Dakota overview
- Nationally the county exceeds 66% of recorded county totals, but its own North Dakota benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.