Natural hazards · Le Roy

Le Roy, SD natural hazards

Most of the natural-hazard damage FEMA expects in Le Roy comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 23 claims here since 1993.

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

Expected damage

How exposed is Le Roy?

Moderate

vs. U.S. communities

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

Tornadoes31%Inland flooding28%Cold waves24%Strong wind5%Everything else13%

By hazard

What Le Roy faces

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

Tornadoes

31% of expected damage

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

Inland flooding

28% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

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

Recorded about 10 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Le Roy flood?

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

23paid claims since 1993

$484Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Le Roy 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 Le Roy

Federal disasters declared here

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

Brought FEMA money into Le RoyDeclared for Lake County only

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

Around Le Roy

Le Roy and the towns around it

Very lowLowModerateHighVery high

Lake Viewmostly inland floodingModerate

Le Roymostly tornadoesModerate

Nundamostly inland floodingModerate

Farmingtonmostly inland floodingModerate

Rutlandmostly inland floodingModerate

Madisonmostly 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. Le Roy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Le Roy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Le Roy. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Le Roy total about $2.8M a year, counting buildings, people and crops.

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.