Natural hazards · Civil Bend

Civil Bend, SD natural hazards

Most of the natural-hazard damage FEMA expects in Civil Bend comes from inland flooding, and overall the risk is very high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Civil Bend?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Civil Bend to be higher than in 82% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes20%Everything else22%

By hazard

What Civil Bend faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

58% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

20% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 15 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Civil Bend flood?

FEMA's records show no paid flood insurance claims in Civil Bend.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Civil Bend isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Union County.

Disasters that hit Civil Bend

Federal disasters declared here

None of the disasters declared for Union County shows FEMA aid or repair money reaching Civil Bend itself in FEMA’s records.

Brought FEMA money into Civil BendDeclared for Union County only

Union County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Civil Bend

Civil Bend and the towns around it

Very lowLowModerateHighVery high

Civil Bendmostly inland floodingVery high

Jeffersonmostly inland floodingVery high

Poncamostly inland floodingHigh

Elk Pointmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Civil Bend is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Civil Bend’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Civil Bend. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.