More hazard damage per building is expected in Apple Creek Township than in 80% of U.S. towns, led by hail
On FEMA’s National Risk Index, Apple Creek Township gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #19 of 23 in North Dakota. Most of that expected damage is hail (40%), then river and rain flooding (40%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Apple Creek Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Wildfire
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Apple Creek Township’s grade
Hail is 40% of the building damage FEMA expects in Apple Creek Township, and Apple Creek Township’s rate of hail damage is in the top 1% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 5% of U.S. census tracts.
C− #19 of 23 in North Dakota; higher expected damage per building than 80% of U.S. towns (21,298).
Apple Creek Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical North Dakota town has lower expected damage than 59% of U.S. towns; within the state, Apple Creek Township has more expected damage per building than 82% of North Dakota towns.
In dollars, FEMA expects about $2.4M a year in losses across Apple Creek Township: $1.3M to buildings, the rest to people and crops.
Does Apple Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Apple Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Apple Creek Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Burleigh County.The storms Apple Creek Township remembers
None of the 19 disasters declared for Burleigh County shows FEMA aid or repair money reaching Apple Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
Burleigh County has had 19 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Apple Creek Township and its neighbors
Apple Creek Township is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lincoln | C−more damage than 79% | hail | 8 |
| Apple Creek Township | C−more damage than 80% | hail | 0 |
| Gibbs Township | C−more damage than 81% | river and rain flooding | — |
| Bismarck | Dmore damage than 86% | river and rain flooding | 357 |
| Boyd Township | — | 81 residents; we grade 1,000+ | |
| Missouri Township | — | 186 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Apple Creek Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Apple Creek Township
Is Apple Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Apple Creek Township has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #19 of 23 in North Dakota. Most of the expected damage is hail (40%) and river and rain flooding (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Apple Creek Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Burleigh County, 42% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Apple Creek Township?
FEMA’s Community Rating System list shows no discount for Apple Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Apple Creek Township at risk from hail?
It is the largest share of the building damage FEMA expects here (40%), and Apple Creek Township’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Apple Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Apple Creek Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.