Flood zone · ZIP 58103
Flood zone in Fargo (South), ND
ZIP 58103 (North Dakota) — flood zone summary sourced from FEMA NFHL. Refreshed on the cadence of the primary regulator with every claim cited to the source record.
What lands here
Pages show the flood zone code, what it means in plain English (1% annual chance zone, 0.2% annual chance zone, or outside mapped hazard), and the base flood elevation where assigned.
Source & refresh
FEMA NFHL. Refreshed quarterly loma updates. Stale data is flagged, never silently served. Primary source →
Limitations specific to this source
For an official flood-zone determination (required by lenders), consult the FEMA Map Service Center directly. zipradar shows informational classifications only.
North Dakota context
Radon Zone 1, flooding (Red River), wind
North Dakota is uniformly Zone 1 radon. Red River of the North FEMA AE zones affect Fargo, Grand Forks. Wind exposure is significant statewide.
See North Dakota state page for the full state-level rollup across all 12 dimensions.
Read more on flood zone
Editorial deep-dives explaining the source data, its limits, and how to read it.
Flood zones explained — what AE, X, and VE actually mean
Plain-English guide to FEMA flood-zone codes (A, AE, AH, V, VE, X, X-shaded). What the 1% and 0.2% annual-chance zones mean for your property and your insurance.
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Plain-English guide to the USDA Forest Service's Wildfire Hazard Potential 1–5 scale, how to read your community's risk, and concrete home-defense measures.
Wildfire insurance in 2026 — why premiums spiked and what to do
California, Oregon, Colorado, and other Western states have seen wildfire insurance premiums double or homeowners drop entirely. Plain-English guide to the 2026 market.
FEMA flood zones — AE vs. X vs. VE in plain English
FEMA's National Flood Hazard Layer maps every US property's flood-zone designation. Here's what AE, X, VE, and AO actually mean for your insurance bill.
Full dashboard for ZIP 58103
Flood zone is one of twelve dimensions zipradar federates per address. See the full federated summary for ZIP 58103:
Open Fargo (South), ND dashboard →Frequently asked questions
What is the flood zone for ZIP 58103?
Flood zone for ZIP 58103 (Fargo (South), North Dakota) is federated from FEMA NFHL. Pages show the flood zone code, what it means in plain English (1% annual chance zone, 0.2% annual chance zone, or outside mapped hazard), and the base flood elevation where assigned. Refreshed quarterly loma updates — see /methodology for full source citations and refresh-cadence details.
Where does the flood zone data come from?
FEMA NFHL (primary regulator). zipradar federates flood zone on the regulator's published cadence: quarterly loma updates. Every claim cites the source record; stale data is flagged, never silently served. The primary source URL: https://www.fema.gov/flood-maps/national-flood-hazard-layer.
What are the limitations of flood zone data?
For an official flood-zone determination (required by lenders), consult the FEMA Map Service Center directly. zipradar shows informational classifications only.
Is ZIP 58103 (Fargo (South)) data current?
Last verified 2026-06-10. Flood zone for ZIP 58103 refreshes quarterly loma updates per FEMA NFHL cadence. See the full ZIP dashboard at /zip/58103/ for all 12 dimensions side-by-side.