Natural Disaster Risk in White Owl
South Dakota
Risk Summary for White Owl
White Owl scores 5.7/10 (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
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: White Owl, South Dakota
Located in the Great Plains in Meade County, White Owl 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 White Owl a community where hazard awareness has real practical value.
White Owl's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include winter and avalanche.
Relative to other U.S. communities, White Owl'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 wildfire and winter, as measured by FEMA across Meade County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, White Owl 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 wildfire is recommended.
What this means for White Owl: Wildfire preparedness
- 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.
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
Local Factors for White Owl
These city-level factors differentiate White Owl from other communities in Meade County and provide geographic context for its hazard exposure.
Population
114
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.7/10
Coordinates
44.5956Β° N, 102.3638Β° W
Meade 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 Owl
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in White Owl
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.