Natural hazards · Herman

Herman, SD natural hazards

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

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Herman to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes23%Cold waves12%Hail9%Everything else15%

By hazard

What Herman faces

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

Inland flooding

42% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 3 years in the area

Cold waves

12% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 10 times a year in the area

Hail

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Herman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Herman

Federal disasters declared here

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

Brought FEMA money into HermanDeclared for Lake County only

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

Around Herman

Herman and the towns around it

Very lowLowModerateHighVery high

Lake Viewmostly inland floodingModerate

Hermanmostly inland floodingModerate

Madisonmostly inland floodingModerate

Winfredmostly inland floodingModerate

Farmingtonmostly inland floodingModerate

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