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Risk: Relatively Low

McLean County, ND Environment & Hazard Risk

Relatively Low natural hazard risk, led by winter weather. 466 storm events since 1996.

Expected yearly loss
$16.5M
Relatively Low nationally
Storm events since 1996
466
Most often hail
Flood insurance policies
2
0.0% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 43.1 of 100

Social vulnerability

Very Low

Score 17.6 of 100

Community resilience

Relatively High

Score 78.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $10.1B · Agriculture value exposed: $228M · Risk-adjusted yearly loss: $14.2M

Risk by hazard

  • Winter weatherRelatively High$746K/yr expected annual loss, about 20 events a year
  • HailRelatively Moderate$1.6M/yr expected annual loss, about 2.3 events a year
  • Cold waveRelatively Moderate$5.9M/yr expected annual loss, about 19 events a year
  • Ice stormRelatively Moderate$540K/yr expected annual loss, about once every 2 years
  • WildfireRelatively Low$376K/yr expected annual loss, about once every 2,698 years
  • Strong windRelatively Moderate$1.2M/yr expected annual loss, about 1.3 events a year
  • TornadoRelatively Low$1.3M/yr expected annual loss, about once every 1 year
  • DroughtRelatively Low$38.5K/yr expected annual loss, about 18 events a year
  • LandslideVery Low$374/yr expected annual loss, about once every 3 years
  • Heat waveVery Low$48.4K/yr expected annual loss, about 1.6 events a year
  • EarthquakeVery Low$19.5K/yr expected annual loss, about once every 11,236 years
  • LightningVery Low$47.5K/yr expected annual loss, about 28 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
2 of 6,491 (0.0%)
Homes in high-risk flood zones
17
Insured in high-risk zones
0 (0%)
Flood claims since 1978
10
Claims paid since 1978
$76.7K

Flood claims paid per year

Flood claims paid per year in McLean County
Beta
  • Winter storm$10.5K · 2 claims
  • Flooding$4,658 · 1 claim
  • Not a named storm$3,112 · 2 claims
  • Late spring storms$0 · 1 claim

Storm history

Since 1996: 466 events, 1 death, $17.2M in damage

  • Hail226
  • Thunderstorm Wind174 · 1 death
  • Tornado30
  • Funnel Cloud14
  • Lightning6
  • Flash Flood6
  • Flood5
  • High Wind3
  • Dust Storm2
Beta

Events per year

Storm events per year in McLean County
17
37
22
23
18
9
3
8
15
14
8
14
11
14
4
18
17
17
17
36
Beta

48 tornadoes on record (EF0 6, EF1 3, EF2 1, F0 16, F1 10, F2 3, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Thunderstorm Wind70 kt wind06/29/2018

    Mercer, Mclean County

    1 death, 4 injured, $250K damage

    What happened

    About 30 camping trailers at Heckers Lake and New Johns Lake were damaged and destroyed, with many overturned. Some of the campers came to rest in the water. One fatality occurred at Heckers Lake as an individual was outside his camper, and the camper blew over onto him. Four injuries were also reported in the camping areas|around New Johns and Heckers Lakes.

  • Flood06/02/2011

    Riverdale, Mclean County

    $5M damage

    What happened

    See the event episode narrative for details.

  • Thunderstorm Wind109 kt wind07/13/2006

    Coleharbor, Mclean County

    2 injured, $3M damage

    What happened

    A National Weather Service storm damage survey was completed 0715 CST to 1500 CST the day following the event, July 13, 2006. NWS meteorologist was accompanied by the Mclean County Emergency Manager. Damage was extensive and severe. Nearly every building in the town of about 80 people was damaged. The degree of damage varied with heavier damage to structures and trees on the west side of the town, including to a school built in 1916 and used until the mid 1960s. Just across highway 83, on the west side of town, an empty railroad coal car was off the tracks and on its side. The structural and tree damage pattern, coupled with comments from eye witnesses and 88D RADAR data, led to the determination that the event was a wet microburst with wind speeds in excess of 100 mph. Storms were multicellular in structure. Witnesses described a shelf cloud approaching, followed by the high wind, and then very heavy rain. There were two very minor injuries and no fatalities. The two injuries were in a camper that was rolled by the wind and destroyed. Coleharbor covers an area about 1/4 mile by 1/4 mile. Damage covered an area just under 4 km or just under 2 1/2 miles on a side. Outside of...

  • TornadoEF1, 1.5 mi path, 60 yd wide07/10/2007

    Roseglen, Mclean County

    4 injured, $230K damage

    What happened

    NWS storm survey was completed for this event. An EF1 tornado was confirmed to have occurred on the Fort Berthold Reservation of Mclean County starting from 6 miles south of White Shield and ending 8 miles south-southeast of White Shield. The path was about 1 1/2 miles long. One manufactured home was rolled and badly damaged near the beginning of the path. It had three occupants, one adult male and one adult female approximately in their 30's, and one four year old child. All three had minor injuries. A pickup truck at this location was totally destroyed as the home rolled onto it and the truck acted as a stop. Another manufactured home was completely destroyed about one mile from the first. It had one adult male occupant, age 53, who was seriously injured and hospitalized. There was also significant damage to crops in the area, with 100 percent crop loss in some fields caused by wind driven hail up to 1.5 inches in diameter. Wind speed estimated 105 mph.

  • Hail1.75" hail07/27/2010

    Emmet, Mclean County

    1 injured, $45K damage

    What happened

    Large hail was reported at the Triangle Y Camp, resulting in damage to vehicles. One person was injured when a hailstone struck the person's foot.

  • Lightning08/02/2010

    Max, Mclean County

    1 injured, $4,000 damage

    What happened

    Lightning struck a car resulting in the air bags being deployed and other damage. A person in the car suffered minor injuries. Time and placement of this event is based on a newspaper article and archived radar data. It is estimated.

Drinking water

12 community water systems serve about 9,165 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 2 toxic release facilities in McLean County

Superfund sites

None in this county.

Toxic release facilities

Total: 2.8 million lbs in 2024, 191,932 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk4 historic places

Frequently asked questions

How risky is McLean County for natural disasters?
FEMA rates McLean County relatively low for overall natural hazard risk, with expected losses of $16.5M a year. The highest-rated hazards are winter weather (relatively high), hail (relatively moderate), cold wave (relatively moderate).
What storms are most common in McLean County?
Since 1996, NOAA recorded 466 storm events affecting McLean County, most often hail (226), thunderstorm wind (174), tornado (30).
How many tornadoes have hit McLean County?
48 tornadoes have been recorded in McLean County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in McLean County have flood insurance?
2 residential flood insurance policies are in force in McLean County, covering about 0.0% of homes. The program has paid $76.7K on 10 claims here since 1978.
What is the weather like in McLean County?
At Underwood, average highs reach 82°F in Jul and lows fall to 1°F in Jan, with 18.0 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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