Natural hazards · Platte

Platte, SD natural hazards

Most of the natural-hazard damage FEMA expects in Platte comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2016. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Platte?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Platte to be higher than in 51% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves32%Tornadoes9%Drought8%Hail5%Everything else8%

By hazard

What Platte faces

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

Inland flooding

39% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Cold waves

32% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 5 years in the area

Drought

8% of expected damage

Recorded about 28 times a year in the area

Hail

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 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 Platte flood?

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

2paid claims since 2016

$186Kpaid to owners

1homes flooded more than once

20162026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Platte 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.

What’s been done with FEMA grants

2buildings retrofitted against wind

Disasters that hit Platte

3 federal disasters brought FEMA money here

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

Brought FEMA money into PlatteDeclared for Charles Mix County only

2019

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $5K aid approved $1.1M to the City of Platte for repairs

2019

Severe Winter Storm, Snowstorm, and Flooding

7 households applied for aid $24K aid approved

2011

Flooding

4 households applied for aid $1K aid approved

Charles Mix County has had 15 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. Platte 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 Platte’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Platte. 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.