Natural Disaster Risk in Stratford
South Dakota
Risk Summary for Stratford
Stratford scores 6.1/10 (High 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
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Stratford, South Dakota
Located in the northern tier of the continental United States in Brown County, Stratford is a small unincorporated community. The semi-arid continental climate that characterizes this part of South Dakota β marked by harsh winters, hot summers, and significant seasonal variation β directly influences the types and severity of natural hazards present, making Stratford a community where hazard awareness has real practical value.
FEMA rates Stratford's composite natural disaster risk at 6.1 out of 10 β high risk. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. Residents should also account for cold wave and hail risk in their preparedness planning.
Relative to other U.S. communities, Stratford's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 4.9/10 state average. The hazard distribution here is led by winter and cold wave, as measured by FEMA across Brown County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Stratford residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Stratford: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- 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.
Local Factors for Stratford
These city-level factors differentiate Stratford from other communities in Brown County and provide geographic context for its hazard exposure.
Population
237
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.0/10
Coordinates
45.2858Β° N, 98.2753Β° W
Brown 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 Stratford
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Stratford
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.