Natural hazards · White Lake

White Lake, SD natural hazards

Most of the natural-hazard damage FEMA expects in White Lake comes from cold waves, 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 White Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Lake to be higher than in 48% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves43%Inland flooding23%Drought11%Tornadoes8%Ice storms7%Everything else9%

By hazard

What White Lake faces

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

Cold waves

43% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 2 years in the area

Drought

11% of expected damage

Recorded about 18 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Ice storms

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 2 years in the area

Lower here

HailWinter 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 White Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. White 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: Aurora County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit White Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into White LakeDeclared for Aurora County only

2019

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $25K aid approved

Aurora County has had 20 natural disasters declared since 1953, most often floods and severe storms.

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. White 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 White Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of White 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.