On FEMA’s figures, Tatman Township faces less hazard damage per building than 97% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Tatman Township gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #1 of 23 in North Dakota. Most of that expected damage is river and rain flooding (50%), then tornadoes (14%). 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 Tatman Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Winter storms
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); winter storms is FEMA’s “Winter Weather” (snow, sleet and freezing rain). 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 Tatman Township’s grade
River and rain flooding is 50% of the building damage FEMA expects in Tatman Township, and Tatman Township’s rate of river and rain flooding damage is lower than 96% of U.S. census tracts. Winter storms add 10%, at a rate in the top 1% of U.S. census tracts.
A+ #1 of 23 in North Dakota; lower expected damage per building than 97% of U.S. towns (21,298).
Tatman Township’s residents live in 3 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, Tatman Township has less expected damage per building than 100% of North Dakota towns.
In dollars, FEMA expects about $1.3M a year in losses across Tatman Township: $411K to buildings, the rest to people and crops.
Does Tatman Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tatman Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tatman 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: Ward County.The storms Tatman Township remembers
None of the 25 disasters declared for Ward County shows FEMA aid or repair money reaching Tatman Township itself in FEMA’s records, so these are its biggest flood-claim years.
Ward County has had 25 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.
Tatman Township and its neighbors
Tatman Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tatman Township | A+less damage than 97% | river and rain flooding | 0 |
| Waterford Township | Aless damage than 91% | river and rain flooding | — |
| Margaret Township | — | 98 residents; we grade 1,000+ | |
| Ensign Township | — | 83 residents; we grade 1,000+ | |
| Prescott Township | — | 2 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 Tatman 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.
- 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.
- 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.
- 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.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- 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 Tatman Township
Is Tatman Township at risk for natural disasters?
On FEMA’s National Risk Index, Tatman Township has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #1 of 23 in North Dakota. Most of the expected damage is river and rain flooding (50%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Tatman 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 Ward County, 4.5% of all homes carry federal flood insurance.
How much is flood insurance in Tatman Township?
FEMA’s Community Rating System list shows no discount for Tatman Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tatman Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Tatman Township’s rate for it is lower than 96% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tatman Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tatman 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.