Natural Disaster Risk in White Lake
South Dakota
Risk Summary for White Lake
White Lake scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.
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: White Lake, South Dakota
White Lake is a small community of about 899 in Aurora County, in the interior eastern United States. The area experiences harsh winters, hot summers, and significant seasonal variation, with severe blizzards and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in White Lake.
FEMA rates White Lake's composite natural disaster risk at 4.8 out of 10 — moderate risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for cold wave and drought risk in their preparedness planning.
White Lake's risk score, near the 4.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Aurora County, the highest-scoring are ice storm, cold wave, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
White Lake's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that ice storm exposure is adequately protected is a worthwhile step for property owners.
What this means for White Lake: Ice Storm preparedness
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
Local Factors for White Lake
These city-level factors differentiate White Lake from other communities in Aurora County and provide geographic context for its hazard exposure.
Population
899
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.0/10
Coordinates
43.7177° N, 98.7138° W
Aurora 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 White Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in White Lake
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.