🌍 ClimateRiskCheck

Natural Disaster Risk in Oral

South Dakota

5.1out of 10
Moderate Risk

Risk Summary for Oral

Oral scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Winter Weather

All 18 Hazard Scores

Wildfire
9.5
Avalanche
8.2
Winter Weather
7.5
Hail
6.5
Landslide
6.4
Tsunami
5.4
Lightning
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.9
Earthquake
4.3
Strong Wind
3.9
Tornado
3.8
Drought
3.7
Ice Storm
2.7
Extreme Heat
2.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Oral
5.1
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: Oral, South Dakota

Oral, in Fall River County, is a small unincorporated community situated in the Great Plains. 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 Oral residents and property owners must navigate.

According to FEMA's National Risk Index, Oral carries an overall risk score of 5.1/10, placing it in the moderate category. 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. The area also faces notable exposure to avalanche and winter.

Within South Dakota, Oral's risk is, near the 4.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Fall River County identifies wildfire as the foremost hazard, followed by avalanche and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Oral 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 Oral: Wildfire preparedness

  • 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.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Oral

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

Population

176

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.5/10

Coordinates

43.3577Β° N, 103.1825Β° W

Fall River 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 Oral

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Oral

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.