Natural hazards · Philip

Philip, SD natural hazards

Most of the natural-hazard damage FEMA expects in Philip comes from inland flooding, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Philip?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philip to be higher than in 91% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves29%Strong wind6%Everything else10%

By hazard

What Philip faces

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

Inland flooding

56% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Cold waves

29% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce 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 Philip flood?

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

of all homes
are insured

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

Insurance rates: Haakon County.

Disasters that hit Philip

4 federal disasters brought FEMA money here

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

Brought FEMA money into PhilipDeclared for Haakon County only

2022

Severe Storm, Straight-Line Winds, Tornadoes, and Flooding

$19K to the City of Philip for repairs

2019

Severe Storms and Flooding

$126K to the City of Philip for repairs

2008

Severe Storms and Flooding

$6K to the City of Philip for repairs

2004

Severe Storms and Flooding

$16K to the City of Philip for repairs

Haakon County has had 14 natural disasters declared since 1953, most often severe storms and floods.

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

Philip, SD natural hazards

How exposed is Philip?

What Philip faces

Inland flooding

Cold waves

Strong wind

Lower here

Not a risk here

Does Philip flood?

4 federal disasters brought FEMA money here

Severe Storm, Straight-Line Winds, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

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