🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 57245

Kranzburg, South Dakota

5.7out of 10
Moderate Risk

Risk Summary for ZIP 57245

ZIP 57245 scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Winter Weather Cold Wave

All 18 Hazard Scores

Ice Storm
9.6
Winter Weather
9.4
Cold Wave
8.5
Tornado
8.0
Wildfire
7.5
Hail
7.4
Strong Wind
6.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.7
Avalanche
4.5
Drought
4.4
Landslide
3.4
Earthquake
3.1
Hurricane
2.4
Lightning
1.9
Riverine Flooding
1.0

How it compares

ZIP 57245
5.7
South Dakota avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 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: ZIP 57245, South Dakota

ZIP 57245 in Kranzburg sits in the interior eastern United States. Its semi-arid continental climate produces harsh winters, hot summers, and significant seasonal variation, and notably severe blizzards and spring flooding. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 57245 carries an overall risk score of 5.7/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to winter and cold wave.

Within South Dakota, ZIP 57245's risk is, slightly above the 4.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of South Dakota identifies ice storm as the foremost hazard, followed by winter and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 57245 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 ice storm is recommended.

What this means for ZIP 57245: Ice Storm preparedness

  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.

Risk for the surrounding area

Local Factors for ZIP 57245

These city-level factors differentiate ZIP 57245 from other communities in South Dakota County and provide geographic context for its hazard exposure.

Population

151

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.5/10

Coordinates

44.8937Β° N, 96.9184Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 57245

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in South Dakota

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.