Natural hazards · Virgil

Virgil, SD natural hazards

Most of the natural-hazard damage FEMA expects in Virgil comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Virgil?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Virgil to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves22%Drought13%Tornadoes10%Hail10%Everything else10%

By hazard

What Virgil 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 47% of U.S. places

Recorded about 3 times a year in the area

Cold waves

22% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 10 times a year in the area

Drought

13% of expected damage

Recorded about 6 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 3 years in the area

Hail

10% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 4 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 Virgil flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Beadle County.

Disasters that hit Virgil

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Virgil itself: aid to households, or repair grants to the Town of Virgil.

Brought FEMA money into VirgilDeclared for Beadle County only

2011

Flooding

$2K to the Town of Virgil for repairs

Beadle County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Virgil

Virgil and the towns around it

Very lowLowModerateHighVery high

Virgilmostly inland floodingModerate

Dearbornmostly 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. Virgil 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 Virgil’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Virgil. 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.