🌍 ClimateRiskCheck

Natural Disaster Risk in Stratford

South Dakota

6.1out of 10
High Risk

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

Winter Weather Cold Wave Hail

All 18 Hazard Scores

Winter Weather
9.8
Cold Wave
9.7
Hail
8.8
Strong Wind
8.5
Ice Storm
8.5
Wildfire
8.0
Tornado
7.4
Extreme Heat
5.6
Tsunami
5.4
Landslide
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.9
Earthquake
3.7
Hurricane
2.4
Lightning
1.9
Riverine Flooding
1.0

How it compares

Stratford
6.1
South Dakota avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 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

Rural

Geographic 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

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ZIP Codes in Stratford

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.