Water Risk Profile — ZIP 58103
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,500–$8,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Fargo, North Dakota experiences the most severe spring flooding risk in the U.S. — the Red River of the North flows northward toward Canada and backs up during spring thaw when southern sections melt before northern sections. Fargo has been protected by a massive flood diversion project built after the 1997 Red River flood. North Dakota's continental climate delivers -40°F temperatures that cause rapid, catastrophic pipe freeze events in uninsulated or under-heated spaces. Spring snowmelt in 2009 produced a 500-year flood event on the Red River. ND pipe freeze events occur multiple times per winter season. ND Insurance Department handles claim disputes.
Flood-prone areas: Riverside neighborhood sits directly on the Red River floodplain and required emergency dike construction during the 2009 flood. Oak Grove and Hawthorne areas in south Fargo are low-lying on former Lake Agassiz clay soils with minimal natural drainage. Woodcrest neighborhood experienced significant basement flooding during 2009 overflow events.
Water Category Cost Table — Fargo, ND
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.72–$6.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.74–$8.16 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.59–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Fargo market (3.2–11/sq ft range).