Natural hazards · Harmony

Harmony, SD natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Harmony?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 61% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves45%Inland flooding25%Drought8%Tornadoes6%Hail5%Everything else12%

By hazard

What Harmony faces

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

Cold waves

45% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

25% of expected damage

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

Recorded about once every 4 years in the area

Drought

8% of expected damage

Recorded about 16 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 4 years in the area

Hail

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Harmony flood?

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

of all homes
are insured

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

Insurance rates: Jerauld County.

Disasters that hit Harmony

Federal disasters declared here

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

Brought FEMA money into HarmonyDeclared for Jerauld County only

Jerauld County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Batesmostly cold wavesHigh

Harmonymostly cold wavesHigh

Cherymostly cold wavesHigh

Marlarmostly cold wavesHigh

Pleasantmostly cold wavesHigh

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