Natural hazards · Split Rock

Split Rock, SD natural hazards

Most of the natural-hazard damage FEMA expects in Split Rock comes from tornadoes, 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 Split Rock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Split Rock to be higher than in 24% of U.S. communities, mostly from tornadoes and cold waves.

Tornadoes42%Cold waves21%Inland flooding19%Ice storms6%Everything else12%

By hazard

What Split Rock faces

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

Tornadoes

42% of expected damage

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

Cold waves

21% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

19% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 5 times a year in the area

Ice storms

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Lower here

HailWinter 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 Split Rock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Minnehaha County.

Disasters that hit Split Rock

Federal disasters declared here

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

Brought FEMA money into Split RockDeclared for Minnehaha County only

Minnehaha County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Split Rock

Split Rock and the towns around it

Very lowLowModerateHighVery high

Brandonmostly tornadoesModerate

Valley Springsmostly inland floodingModerate

Sioux Fallsmostly tornadoesLow

Brandonmostly tornadoesLow

Pine Lakes Additionmostly tornadoesLow

Split Rockmostly tornadoesLow

Andersonmostly tornadoesVery 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. Split Rock covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Split Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Split Rock. 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 Split Rock total about $7.3M 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.