Natural Disaster Risk in Rutland
South Dakota
Risk Summary for Rutland
Rutland scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Rutland, South Dakota
Rutland, in Lake County, is a small unincorporated community situated in the interior eastern 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 Rutland residents and property owners must navigate.
Rutland's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include ice storm and tornado.
Within South Dakota, Rutland'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 Lake County identifies winter as the foremost hazard, followed by ice storm and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Rutland 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 winter is recommended.
What this means for Rutland: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Rutland
These city-level factors differentiate Rutland from other communities in Lake County and provide geographic context for its hazard exposure.
Population
196
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.1Β°
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
44.1026Β° N, 96.9572Β° W
Lake 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 Rutland
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Rutland
Other cities in South Dakota
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.