Natural hazards · Scotland

Scotland, SD natural hazards

Most of the natural-hazard damage FEMA expects in Scotland comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Scotland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scotland to be higher than in 46% of U.S. communities, mostly from inland flooding and drought.

Inland flooding27%Drought24%Cold waves18%Tornadoes13%Hail6%Strong wind5%Everything else8%

By hazard

What Scotland faces

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

Inland flooding

27% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Drought

24% of expected damage

Recorded about 24 times a year in the area

Cold waves

18% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 5 years in the area

Hail

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 6 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Scotland flood?

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

of all homes
are insured

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

Insurance rates: Bon Homme County.

Disasters that hit Scotland

2 federal disasters brought FEMA money here

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

Brought FEMA money into ScotlandDeclared for Bon Homme County only

2019

Severe Winter Storm, Snowstorm, and Flooding

24 households applied for aid $56K aid approved

2005

Severe Winter Storm

$3K to the City of Scotland for repairs

Bon Homme County has had 14 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. Scotland 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 Scotland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Scotland. 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.