Natural hazards · Racine

Racine, SD natural hazards

Most of the natural-hazard damage FEMA expects in Racine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 120 claims here since 1995.

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

Expected damage

How exposed is Racine?

Moderate

vs. U.S. communities

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

Inland flooding34%Cold waves27%Strong wind14%Tornadoes9%Wildfire5%Everything else11%

By hazard

What Racine faces

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

Inland flooding

34% of expected damage

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

Recorded about once a year in the area

Cold waves

27% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 14 times a year in the area

Strong wind

14% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Wildfire

5% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Racine flood?

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

120paid claims since 1995

$2.8Mpaid to owners

0homes flooded more than once

19952026

Biggest named events

Severe flooding: 2 claims, $29K
Late spring storms: 2 claims, $77K

of all homes
are insured

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

Insurance rates: Day County.

Disasters that hit Racine

Federal disasters declared here

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

Brought FEMA money into RacineDeclared for Day County only

Day County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Racine

Racine and the towns around it

Very lowLowModerateHighVery high

Racinemostly inland floodingModerate

Mortonmostly inland floodingModerate

Waubaymostly inland floodingModerate

Grenvillemostly inland floodingModerate

Webstermostly cold wavesVery low

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. Racine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Racine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Racine. 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 Racine total about $2.7M 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.