🌍 ClimateRiskCheck

Natural Disaster Risk in Onaka

South Dakota

4.4out of 10
Moderate Risk

Risk Summary for Onaka

Onaka scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

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

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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: Onaka, South Dakota

Onaka, in Faulk County, is a small unincorporated community 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 Onaka residents and property owners must navigate.

According to FEMA's National Risk Index, Onaka carries an overall risk score of 4.4/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wildfire and cold wave.

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

With a moderate risk rating, Onaka 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 hail is recommended.

What this means for Onaka: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Onaka

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

Population

192

Rural

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: 7.2/10

Coordinates

45.2004Β° N, 99.4588Β° W

Faulk 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 Onaka

Last 12 months Β· Source: Open-Meteo archive

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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.