Natural hazards · Lane

Lane, SD natural hazards

Most of the natural-hazard damage FEMA expects in Lane comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Lane?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lane to be higher than in 61% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves45%Inland flooding25%Drought8%Tornadoes6%Hail5%Everything else12%

By hazard

What Lane faces

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

Cold waves

45% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

25% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 4 years in the area

Drought

8% of expected damage

Recorded about 16 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 4 years in the area

Hail

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice 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 Lane flood?

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

of all homes
are insured

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

Insurance rates: Jerauld County.

Disasters that hit Lane

Federal disasters declared here

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

Brought FEMA money into LaneDeclared for Jerauld County only

Jerauld County has had 17 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. Lane 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 Lane’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lane. 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.