🌍 ClimateRiskCheck

Natural Disaster Risk in Milbank

South Dakota

4.6out of 10
Moderate Risk

Risk Summary for Milbank

Milbank scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Ice Storm Winter Weather

All 18 Hazard Scores

Cold Wave
8.1
Ice Storm
6.9
Winter Weather
6.4
Wildfire
6.0
Hail
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.4
Tornado
4.3
Drought
4.3
Extreme Heat
4.0
Strong Wind
3.0
Hurricane
2.4
Earthquake
1.8
Lightning
1.5
Riverine Flooding
1.0

How it compares

Milbank
4.6
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: Milbank, South Dakota

Milbank, in Grant County, is a town of roughly 4,883 residents situated in the northern tier of the continental United States. Its semi-arid continental climate brings harsh winters, hot summers, and significant seasonal variation, and in particular severe blizzards and spring flooding. These conditions collectively define the natural hazard environment that Milbank residents and property owners must navigate.

Milbank's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include ice storm and winter.

Within South Dakota, Milbank's risk is, near the 4.9/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Grant County identifies cold wave as the foremost hazard, followed by ice storm and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Milbank 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 cold wave is recommended.

What this means for Milbank: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Local Factors for Milbank

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

Population

4,883

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.0/10

Coordinates

45.2051Β° N, 96.6105Β° W

Grant 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 Milbank

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Milbank

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.