Natural hazards · Morningside

Morningside, SD natural hazards

Most of the natural-hazard damage FEMA expects in Morningside comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Morningside?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morningside to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes21%Cold waves19%Everything else23%

By hazard

What Morningside faces

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

Inland flooding

37% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 63 years in the area

Cold waves

19% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 10 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Morningside flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Beadle County.

Disasters that hit Morningside

Federal disasters declared here

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

Brought FEMA money into MorningsideDeclared for Beadle County only

Beadle County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Morningside

Morningside and the towns around it

Very lowLowModerateHighVery high

Custermostly inland floodingHigh

Huronmostly inland floodingModerate

Morningsidemostly inland floodingLow

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