🌍 ClimateRiskCheck

Natural Disaster Risk in Hartford

South Dakota

7.1out of 10
High Risk

Risk Summary for Hartford

Hartford scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Tornado Winter Weather

All 18 Hazard Scores

Tornado
9.9
Ice Storm
9.9
Winter Weather
9.7
Cold Wave
9.6
Hail
9.3
Strong Wind
9.2
Extreme Heat
8.9
Drought
7.7
Wildfire
7.5
Lightning
6.1
Landslide
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.5
Avalanche
4.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Hartford
7.1
South Dakota avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Hartford, South Dakota

Located in the interior eastern United States in Minnehaha County, Hartford is a town of roughly 5,576 residents. The semi-arid continental climate that characterizes this part of South Dakota β€” marked by harsh winters, hot summers, and significant seasonal variation β€” directly influences the types and severity of natural hazards present, making Hartford a community where hazard awareness has real practical value.

FEMA rates Hartford's composite natural disaster risk at 7.1 out of 10 β€” high risk. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. Residents should also account for tornado and winter risk in their preparedness planning.

Relative to other U.S. communities, Hartford's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 4.9/10 state average. The hazard distribution here is led by ice storm and tornado, as measured by FEMA across Minnehaha County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Hartford's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Hartford: Ice Storm preparedness

  • Keep walkways treated and avoid travel during freezing-rain events.
  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.

Local Factors for Hartford

These city-level factors differentiate Hartford from other communities in Minnehaha County and provide geographic context for its hazard exposure.

Population

5,576

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.5/10

Coordinates

43.6161Β° N, 96.9604Β° W

Minnehaha County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Hartford

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hartford

Other cities in South Dakota

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.