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RentariIQFlood History & Insurance Claims
Report ID: aOh-3w_RGGf1iJuq
Prepared: August 03, 2026
Flood History & Insurance Claims for
Demo Property · West Fargo, ND
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Area context (demo location hidden)
This point maps to FEMA flood zone X (outside the SFHA); ZIP 58078 has 440 NFIP flood claim(s) on record.
AI summary — generated from this report's data
The property at Demo Property · West Fargo, ND is located in FEMA flood zone X, indicating it is outside the Special Flood Hazard Area. This specific zone is further identified as an 'AREA WITH REDUCED FLOOD RISK DUE TO LEVEE'. While the property itself is not in a high-risk flood zone, the broader ZIP code 58078 has recorded 440 NFIP flood claims totaling $878,798 paid between 1978 and 2022.
The property's location in FEMA flood zone X (outside the SFHA) suggests a reduced flood risk at the specific address.
The ZIP code 58078 has a history of 440 NFIP flood claims, indicating that flood events have occurred in the wider area.
It would be prudent to verify the current status and maintenance of the levee mentioned in the zone subtype.
mediumDespite the property's specific flood zone designation, the presence of 440 NFIP flood claims in ZIP 58078 indicates a historical flood risk in the broader area.
mediumThe flood zone subtype 'AREA WITH REDUCED FLOOD RISK DUE TO LEVEE' implies reliance on flood control infrastructure, which requires ongoing maintenance and can be subject to failure.
Advisory read: Consider the property's specific flood zone X designation in conjunction with the historical flood claim data for the broader ZIP code when evaluating potential flood-related considerations.
FEMA flood zone
X
outside the Special Flood Hazard Area
FEMA flood zone
X
point query at this address
In Special Flood Hazard Area
No
SFHA = flood insurance typically required with a federally-backed mortgage
NFIP claims (ZIP 58078)
440
flood-insurance claims on record
NFIP amounts paid (ZIP)
$878,798
building + contents claims
Flood-related disasters (county)
32
federal declarations on record
FEMA flood-zone determination — this parcel's location
Flood zoneX
Zone subtypeAREA WITH REDUCED FLOOD RISK DUE TO LEVEE
Static base flood elevation—
In SFHANo
FIRM panel38017C0766H
FIRM panel effective2025-09-05
Parcel-level: a point query of the FEMA National Flood Hazard Layer at this address's coordinates. Not a lender flood determination — those require a certified determination (and possibly an elevation certificate / LOMA).
NFIP flood-insurance claim history — ZIP 58078
Claims on record440
Total paid (building + contents)$878,798
Loss years span1978 – 2022
ZIP-level history: FEMA publishes NFIP claims redacted to the ZIP code, so these are claims anywhere in the ZIP — not necessarily on this parcel. Zero claims does not mean zero flooding (only insured, filed losses appear).
NFIP claims by decade
ZIP 58078; year of loss as reported to the NFIP.
Flood-related federal disaster declarations — Cass County
Declared
Incident type
Title
2025-09-11
Severe Storm
SEVERE STORM, TORNADOES, AND STRAIGHT-LINE WINDS
2020-07-09
Flood
FLOODING
2019-06-12
Flood
FLOODING
2013-05-29
Flood
FLOODING
2013-04-26
Flood
FLOODING
2011-05-10
Flood
FLOODING
2011-04-07
Flood
FLOODING
2010-04-30
Flood
FLOODING
2010-03-14
Flood
FLOODING
2009-03-24
Severe Storm
SEVERE STORMS AND FLOODING
2007-09-07
Severe Storm
SEVERE STORMS AND TORNADOES
2007-07-17
Severe Storm
SEVERE STORMS AND FLOODING
2006-06-05
Severe Storm
SEVERE STORMS, FLOODING, AND GROUND SATURATION
2006-01-04
Severe Storm
SEVERE WINTER STORM
2005-09-13
Coastal Storm
HURRICANE KATRINA EVACUATION
2001-05-28
Flood
SEVERE STORMS, FLOODING, & GROUND SATURATION
2000-06-27
Severe Storm
SEVERE STORMS, FLOODING AND GROUND SATURATION
1999-06-08
Flood
SEVERE STORMS, FLOODING, SNOW, ICE, GROUND SATURATION, LANSLIDES, MUDSLIDES, AND TOR
1998-06-15
Flood
FLOODING, GROUND SATURATION,SEVERE STORMS
1997-04-07
Flood
SEVERE FLOODING,SEVERE WINTER STORMS, SNOWMELT, SPRING RAINS
1997-01-12
Severe Storm
SEVERE WINTER STORMS AND BLIZZARD CONDITIONS
1996-06-05
Severe Storm
SEVERE STORMS,FLOODING, & ICE JAMS
1993-07-26
Flood
SEVERE STORMS & FLOODING
1989-05-08
Flood
FLOODING
1979-04-26
Flood
SEVERE STORMS, SNOWMELT & FLOODING
County-level: flood, hurricane, severe-storm, coastal-storm and dam/levee declarations for the county (OpenFEMA); showing the 25 most recent of 32.
FEMA National Risk Index — flood hazards (census tract)
Riverine (Inland) FloodingRelatively Low (15/100)
Tract-level relative percentiles vs other US census tracts, not probabilities. This product uses the FEMA National Risk Index dataset but is not endorsed by FEMA. NRI scores are relative percentiles versus other US census tracts — a ranking, not a probability of any event.
How to read this
Each block is labeled with its granularity: the flood zone is a point query at this address, NFIP claims cover the whole ZIP, and disaster declarations cover the whole county. Together they show the flood-insurance conversation for this address — advisory context only, not a flood determination, insurance quote, or disclosure document.
FEMA NFHL, FIRM panel effective 2025-09-05.
OpenFEMA NFIP claims through 2022 (ZIP 58078; redacted, ZIP-level records).
OpenFEMA Disaster Declarations Summaries (county-level), most recent flood-related declaration 2025-09-11.
FEMA National Risk Index, release December 2025. This product uses the FEMA National Risk Index dataset but is not endorsed by FEMA. NRI scores are relative percentiles versus other US census tracts — a ranking, not a probability of any event.
Advisory only — informational context, not a lender flood determination, insurance rating, or legal disclosure.
Report generated on August 03, 2026. Figures are retrieved live or from a short-lived
cache (up to 30 days for some public-data sources), so a figure may pre-date this report —
each context card states its own data vintage. Comparable recency is shown per comp;
county assessment figures reflect the assessor's latest published tax year; HUD figures
reflect the current published fiscal year.
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Disclaimer
This report is for informational purposes only and does not constitute financial, legal, investment, tax, or appraisal advice. Figures are drawn from the public and licensed data sources below and, where noted, AI-generated insights (Google Gemini) — always labelled as such. Please consult qualified professionals before making any decision.
Data sources
Rent comps & listings: RentCast · Property value, tax & assessment: ATTOM Data · Fair Market Rents & income limits: HUD (HUD.gov) · Demographics, income & housing medians: U.S. Census Bureau (American Community Survey) · New-construction supply: U.S. Census Bureau (Building Permits Survey) · Migration & income flows: IRS (Statistics of Income) · Employment, wages & rent inflation: U.S. Bureau of Labor Statistics · Flood zones & natural-hazard risk: FEMA (Flood Hazard Layer, National Risk Index) · Environmental screen & walkability: U.S. EPA (Superfund, AirNow, Walkability Index) · Seismic design values: U.S. Geological Survey · Mortgage market & rates: HMDA / Freddie Mac · Street View & geocoding: Google Maps · AI summaries & AI-estimated comps: Google Gemini (clearly labelled where used) · Your own executed leases: de-identified, from your account only
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RentariIQFlood History & Insurance Claims