Natural hazards · Lone Tree

Lone Tree, SD natural hazards

Most of the natural-hazard damage FEMA expects in Lone Tree comes from cold waves, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lone Tree?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Tree to be higher than in 43% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves42%Inland flooding25%Tornadoes10%Drought10%Everything else13%

By hazard

What Lone Tree faces

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

Cold waves

42% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Drought

10% of expected damage

Recorded about 25 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 Lone Tree flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lone Tree 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.

Disasters that hit Lone Tree

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lone Tree itself: aid to households, or repair grants to the Township of Lone Tree.

Brought FEMA money into Lone TreeDeclared for Charles Mix County only

2008

Severe Storms and Flooding

$4K to the Township of Lone Tree for repairs

Charles Mix County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Lone Tree

Lone Tree and the towns around it

Very lowLowModerateHighVery high

Lone Treemostly cold wavesModerate

Lawrencemostly cold wavesModerate

Rousemostly cold wavesModerate

Choteau Creekmostly cold wavesModerate

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. Lone Tree 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 Lone Tree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lone Tree. 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.