🌍 ClimateRiskCheck

Natural Disaster Risk in Keystone

South Dakota

6.9out of 10
High Risk

Risk Summary for Keystone

Keystone scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Hail Winter Weather

All 18 Hazard Scores

Wildfire
9.8
Hail
9.7
Winter Weather
9.5
Lightning
9.2
Landslide
8.7
Cold Wave
8.7
Ice Storm
8.5
Avalanche
8.2
Tornado
6.6
Extreme Heat
6.5
Earthquake
6.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
3.9
Drought
3.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Keystone
6.9
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: Keystone, South Dakota

Keystone is a small community of about 893 in Pennington County, in the Great Plains. The area experiences harsh winters, hot summers, and significant seasonal variation, with severe blizzards and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Keystone.

According to FEMA's National Risk Index, Keystone carries an overall risk score of 6.9/10, placing it in the high category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to hail and winter.

Keystone's risk score, considerably above the 4.9/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Pennington County, the highest-scoring are wildfire, hail, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Keystone'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 Keystone: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • 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.

Local Factors for Keystone

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

Population

893

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.8/10

Coordinates

43.8677Β° N, 103.4235Β° W

Pennington 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 Keystone

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Keystone

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.