Natural Disaster Risk — ZIP Code 57346
Stephan, South Dakota
Risk Summary for ZIP 57346
ZIP 57346 scores 3.8/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 57346, South Dakota
Located in the interior eastern United States, ZIP 57346 serves the Stephan community. The semi-arid continental climate of this part of South Dakota — bringing harsh winters, hot summers, and significant seasonal variation — directly shapes the hazard exposure for properties in this postal area.
ZIP 57346's overall natural disaster risk is rated 3.8/10 (Low) 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 cold wave and tsunami.
Relative to other U.S. communities, ZIP 57346's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 4.9/10 state average. The hazard distribution here is led by wildfire and cold wave, as measured by FEMA across South Dakota. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 57346 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers wildfire — remains prudent for all residents.
What this means for ZIP 57346: 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 30–100 feet of structures.
Risk for the surrounding area
Local Factors for ZIP 57346
These city-level factors differentiate ZIP 57346 from other communities in South Dakota County and provide geographic context for its hazard exposure.
Population
13
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.6/10
Coordinates
44.2482° N, 99.4576° 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 57346
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.