🌍 ClimateRiskCheck

Natural Disaster Risk in Jefferson

South Dakota

5.4out of 10
Moderate Risk

Risk Summary for Jefferson

Jefferson scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Winter Weather Drought

All 18 Hazard Scores

Wildfire
8.0
Winter Weather
8.0
Drought
7.8
Hail
7.7
Tornado
7.3
Ice Storm
7.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.4
Extreme Heat
4.3
Cold Wave
4.3
Lightning
4.1
Strong Wind
3.5
Earthquake
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Jefferson
5.4
South Dakota avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Jefferson, South Dakota

Located in the interior eastern United States in Union County, Jefferson is a small community of about 1,796. 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 Jefferson a community where hazard awareness has real practical value.

FEMA rates Jefferson's composite natural disaster risk at 5.4 out of 10 β€” moderate risk. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. Residents should also account for winter and drought risk in their preparedness planning.

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

With a moderate risk rating, Jefferson residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Jefferson: Wildfire preparedness

  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.

Local Factors for Jefferson

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

Population

1,796

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.0/10

Coordinates

42.5792Β° N, 96.5796Β° W

Union 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 Jefferson

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Jefferson

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.