Natural hazards · Three Rivers

Three Rivers, SD natural hazards

Most of the natural-hazard damage FEMA expects in Three Rivers comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 26 claims here since 1997.

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

Expected damage

How exposed is Three Rivers?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Rivers to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves27%Hail10%Tornadoes9%Everything else12%

By hazard

What Three Rivers faces

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

Inland flooding

43% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 12 times a year in the area

Hail

10% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 3 years in the area

Lower here

Ice stormsWinter 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 Three Rivers flood?

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

26paid claims since 1997

$438Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Late spring storms: 3 claims, $22K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Spink County.

Disasters that hit Three Rivers

Federal disasters declared here

None of the disasters declared for Spink County shows FEMA aid or repair money reaching Three Rivers itself in FEMA’s records.

Brought FEMA money into Three RiversDeclared for Spink County only

Spink County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around Three Rivers

Three Rivers and the towns around it

Very lowLowModerateHighVery high

Redfieldmostly inland floodingLow

Three Riversmostly inland floodingLow

Grovelandmostly inland floodingLow

Jeffersonmostly inland floodingLow

Atholmostly inland floodingLow

Great Bendmostly inland floodingLow

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. Three Rivers covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Three Rivers’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Three Rivers. 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 Three Rivers total about $3.6M 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.