Natural hazards · Harrold

Harrold, SD natural hazards

Most of the natural-hazard damage FEMA expects in Harrold 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 Harrold?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrold to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves11%Wildfire9%Everything else16%

By hazard

What Harrold faces

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

Inland flooding

64% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Cold waves

11% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 7 times a year in the area

Wildfire

9% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Harrold flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hughes County.

Disasters that hit Harrold

Federal disasters declared here

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

Brought FEMA money into HarroldDeclared for Hughes County only

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

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