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Natural hazards · Lake Andes

Lake Andes, SD natural hazards

Most of the natural-hazard damage FEMA expects in Lake Andes comes from cold waves, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Lake Andes?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Andes to be higher than in 47% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves37%Inland flooding31%Tornadoes10%Drought7%Everything else15%
By hazard

What Lake Andes faces

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

Cold waves

37% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 6 times a year in the area

Inland flooding

31% of expected damage
Above average · higher than 54% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 5 years in the area

Drought

7% of expected damage
Recorded about 24 times a year in the area

Lower here

HailIce 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 Lake Andes flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lake Andes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Charles Mix County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared
Disasters that hit Lake Andes

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lake Andes itself: aid to households, or repair grants to the City of Lake Andes.

Brought FEMA money into Lake AndesDeclared for Charles Mix County only
2019

Severe Storms, Tornadoes, and Flooding

96 households applied for aid $139K aid approved $117K to the City of Lake Andes for repairs
2019

Severe Winter Storm, Snowstorm, and Flooding

142 households applied for aid $257K aid approved $42K to the City of Lake Andes for repairs
2011

Flooding

2 households applied for aid
2010

Flooding

$12K to the City of Lake Andes for repairs
2008

Severe Storms and Flooding

$796 to the City of Lake Andes for repairs
2005

Severe Winter Storm

$2K to the City of Lake Andes for repairs
Charles Mix County has had 15 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. Lake Andes 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 Lake Andes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Andes. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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