Natural hazards · Swan Lake

Swan Lake, SD natural hazards

Most of the natural-hazard damage FEMA expects in Swan Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1997.

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

Expected damage

How exposed is Swan Lake?

Moderate

vs. U.S. communities

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

Inland flooding35%Tornadoes27%Drought12%Cold waves11%Hail6%Everything else9%

By hazard

What Swan Lake faces

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

Inland flooding

35% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

27% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Drought

12% of expected damage

Recorded about 28 times a year in the area

Cold waves

11% of expected damage

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

Recorded about 7 times a year in the area

Hail

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Swan Lake flood?

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

15paid claims since 1997

$302Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

June Midwest Flooding: 4 claims, $164K

of all homes
are insured

No community discount. Swan 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: Turner County.

Disasters that hit Swan Lake

Federal disasters declared here

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

Brought FEMA money into Swan LakeDeclared for Turner County only

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

Around Swan Lake

Swan Lake and the towns around it

Very lowLowModerateHighVery high

Swan Lakemostly inland floodingModerate

Viborgmostly inland floodingModerate

Spring Valleymostly inland floodingModerate

Turnermostly inland floodingModerate

Hurleymostly inland floodingModerate

Danevillemostly inland floodingModerate

Middletonmostly inland floodingModerate

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. Swan Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Swan Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Swan Lake. 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 Swan Lake total about $5.6M 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.