Natural hazards · Floyd

Floyd, SD natural hazards

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

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

Expected damage

How exposed is Floyd?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Floyd to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding34%Tornadoes16%Cold waves14%Drought13%Hail7%Wildfire5%Everything else11%

By hazard

What Floyd faces

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

Inland flooding

34% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 3 years in the area

Cold waves

14% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Drought

13% of expected damage

Recorded about 14 times a year in the area

Hail

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 5 times a year in the area

Wildfire

5% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Floyd flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanborn County.

Disasters that hit Floyd

Federal disasters declared here

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

Brought FEMA money into FloydDeclared for Sanborn County only

Sanborn County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Floyd

Floyd and the towns around it

Very lowLowModerateHighVery high

Pearl Creekmostly inland floodingModerate

Floydmostly inland floodingModerate

Aftonmostly inland floodingModerate

Oneidamostly inland floodingModerate

Jacksonmostly 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. Floyd 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 Floyd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Floyd. 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.