Towner County, North Dakota: hazard risk
FEMA rates Towner County's overall risk Very Low (score 2.0 of 100, higher than 1% of rated U.S. counties). Its storm record holds 552 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Ice Storm | Relatively Moderate | 69.5 | $291K |
| Cold Wave | Relatively Low | 57.3 | $1.7M |
| Winter Weather | Relatively Low | 46.3 | $77K |
| Wildfire | Very Low | 56.8 | $94K |
| Drought | Very Low | 27.1 | $23K |
| Hail | Very Low | 19.8 | $95K |
| Landslide | Very Low | 13.8 | $72 |
| Tornado | Very Low | 7.8 | $56K |
| Strong Wind | Very Low | 7.4 | $72K |
| Heat Wave | Very Low | 3.7 | $4K |
| Lightning | Very Low | 2.5 | $12K |
| Riverine Flooding | Very Low | 1.1 | $314K |
| Earthquake | Very Low | 0.4 | $744 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 156 | 0 | $1.3M | 20th of 53 | 1768th of 3,080 |
| Winter storms | 129 | 0 | $23M | 12th of 53 | 1222nd of 3,077 |
| Extreme cold | 92 | 0 | $8K | 6th of 53 | 209th of 3,076 |
| Severe thunderstorm wind | 68 | 0 | $1.1M | 33rd of 53 | 2568th of 3,080 |
| Tornadoes | 32 | 0 | $277K | 19th of 53 | 1877th of 3,080 |
| High wind and dust storms | 30 | 0 | $19K | 36th of 53 | 1431st of 3,080 |
| Floods | 22 | 0 | $739K | 15th of 53 | 2294th of 3,080 |
| Drought | 12 | 0 | – | 15th of 53 | 1940th of 3,063 |
| Heavy rain | 3 | 0 | – | 17th of 53 | 1935th of 3,080 |
| Heat | 1 | 0 | – | 27th of 53 | 2365th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Towner County record: every hazard by year and month, the deadliest events and FEMA's declarations.