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Natural hazards · Spring Lake

Spring Lake, SD natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake comes from cold waves, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Spring Lake?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake to be higher than in 62% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves35%Inland flooding24%Wildfire12%Hail11%Drought8%Tornadoes6%Everything else5%
By hazard

What Spring Lake faces

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

Cold waves

35% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 9 times a year in the area

Inland flooding

24% of expected damage
Above average · higher than 57% of U.S. places
Recorded about once a year in the area

Wildfire

12% of expected damage
Well above average · higher than 98% of U.S. places

Hail

11% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 4 times a year in the area

Drought

8% of expected damage
Recorded about 13 times a year in the area

Tornadoes

6% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 2 years in the area

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Spring Lake flood?

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

of all homes
are insured
No community discount. Spring Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hand County.
Disasters that hit Spring Lake

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Spring Lake itself: aid to households, or repair grants to the Township of Spring Lake.

Brought FEMA money into Spring LakeDeclared for Hand County only
2024

Severe Storms, Straight-Line Winds, and Flooding

$14K to the Township of Spring Lake for repairs
2011

Flooding

$5K to the Township of Spring Lake for repairs
2010

Flooding

$12K to the Township of Spring Lake for repairs
Hand County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Spring Lake

Spring Lake and the towns around it

Hiland: High, mostly cold wavesPleasant Valley: High, mostly cold wavesBates: High, mostly cold wavesMarlar: High, mostly cold wavesRose Hill: High, mostly cold wavesOhio: High, mostly cold wavesPearl: High, mostly cold wavesHulbert: High, mostly cold wavesMondamin: High, mostly cold wavesHarmony: High, mostly cold wavesBurr Oak: Moderate, mostly inland floodingCrow: High, mostly cold wavesSpring Lake: High, mostly cold waves Spring LakeHilandPleasant ValleyBatesMarlar
Very lowLowModerateHighVery high
Spring Lakemostly cold wavesHigh
Hilandmostly cold wavesHigh
Pleasant Valleymostly cold wavesHigh
Batesmostly cold wavesHigh
Marlarmostly cold wavesHigh
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. Spring Lake 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 Spring Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spring Lake. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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