Natural Disaster Risk in Onaka
South Dakota
4.4out of 10
Risk Summary for Onaka
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Hail Wildfire Cold Wave
All 18 Hazard Scores
Hail 7.4
Wildfire 7.2
Cold Wave 7.0
Winter Weather 6.0
Drought 5.9
Ice Storm 5.5
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Avalanche 4.5
Tornado 3.1
Extreme Heat 2.7
Hurricane 2.4
Earthquake 2.2
Strong Wind 2.1
Lightning 1.7
Landslide 1.4
Riverine Flooding 1.0
How it compares
Onaka 4.4
South Dakota avg. 4.9
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Average risk — 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.
ZIP Codes in Onaka
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.