Natural hazards · Winner

Winner, SD natural hazards

Most of the natural-hazard damage FEMA expects in Winner comes from cold waves, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winner?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winner to be higher than in 42% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves51%Inland flooding29%Tornadoes8%Everything else12%

By hazard

What Winner faces

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

Cold waves

51% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

29% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 91 years in the area

Lower here

HailIce 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 Winner flood?

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

of all homes
are insured

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

Insurance rates: Tripp County.

Disasters that hit Winner

4 federal disasters brought FEMA money here

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

Brought FEMA money into WinnerDeclared for Tripp County only

2022

Severe Winter Storms and Snowstorm

$58K to the City of Winner for repairs

2019

Severe Winter Storm, Snowstorm, and Flooding

3 households applied for aid

2008

Severe Storms and Flooding

$4K to the City of Winner for repairs

2004

Severe Storms and Flooding

$8K to the City of Winner for repairs

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

Around Winner

Winner and the towns around it

Very lowLowModerateHighVery high

Winnermostly cold wavesModerate

Lamromostly cold wavesModerate

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. Winner covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Winner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winner. 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 Winner total about $3.5M 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.