Sturgis, SD natural hazards
Most of the natural-hazard damage FEMA expects in Sturgis comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1978. 5 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Sturgis?
FEMA expects yearly storm and flood damage to homes and buildings in Sturgis to be higher than in 78% of U.S. communities, mostly from inland flooding.
What Sturgis faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Cold waves
Lower here
Not a risk here
Does Sturgis flood?
Every paid claim on a federal flood insurance policy in Sturgis, from FEMA’s records.
are insured
are insured
5 federal disasters brought FEMA money here
Disasters the President declared that paid out in Sturgis itself: aid to households, or repair grants to the City of Sturgis.
Severe Storms, Tornadoes, and Flooding
Severe Storms and Flooding
Severe Winter Storm, Snowstorm, and Flooding
Severe Winter Storm and Record and Near Record Snow
Severe Storms and Flooding
How to read this page
FEMA’s expected losses across Sturgis 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.