Natural hazards · Hermosa

Hermosa, SD natural hazards

Most of the natural-hazard damage FEMA expects in Hermosa comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 2007.

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

Expected damage

How exposed is Hermosa?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hermosa to be higher than in 89% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire47%Inland flooding37%Everything else17%

By hazard

What Hermosa faces

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

Wildfire

47% of expected damage

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

Inland flooding

37% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Hermosa flood?

Every paid claim on a federal flood insurance policy in Hermosa, from FEMA’s records.

9paid claims since 2007

$126Kpaid to owners

0homes flooded more than once

20072026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Custer County.

What’s been done with FEMA grants

1flood-prone homes bought out and moved

Disasters that hit Hermosa

Federal disasters declared here

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

Brought FEMA money into HermosaDeclared for Custer County only

Custer County has had 15 natural disasters declared since 1953, most often fires 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. Hermosa 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 Hermosa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hermosa. 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.