Natural Disaster Risk in Todd County
South Dakota
Risk Summary for Todd County
Todd County scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Todd County, South Dakota
Todd County is located in the United States in South Dakota, home to roughly 9,304 residents. The county experiences harsh winters, hot summers, and significant seasonal variation, with severe blizzards and spring flooding shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
FEMA rates Todd County's composite natural disaster risk at 5.4 out of 10 — moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for winter and cold wave risk in their preparedness planning.
Todd County's risk score, slightly above the 4.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Todd County, the highest-scoring are wildfire, winter, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Todd County residents are well-served by maintaining standard preparedness practices — 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 Todd County: Wildfire preparedness
- 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.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Cities in Todd County
ZIP codes in Todd County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.