Natural hazards · Keystone

Keystone, SD natural hazards

Most of the natural-hazard damage FEMA expects in Keystone comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1991.

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

Expected damage

How exposed is Keystone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keystone to be higher than in 91% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding44%Wildfire43%Everything else13%

By hazard

What Keystone faces

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

Inland flooding

44% of expected damage

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

Recorded about 2 times a year in the area

Wildfire

43% of expected damage

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

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 Keystone flood?

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

1paid claims since 1991

$2Kpaid to owners

0homes flooded more than once

19912026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pennington County.

Disasters that hit Keystone

Federal disasters declared here

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

Brought FEMA money into KeystoneDeclared for Pennington County only

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

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