Natural Disaster Risk β ZIP Code 57650
Ralph, South Dakota
Risk Summary for ZIP 57650
ZIP 57650 scores 3.6/10 (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
π What this means for insurance
Below-average risk β 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 57650, South Dakota
ZIP 57650 in Ralph sits in the northern tier of the continental 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 57650 carries an overall risk score of 3.6/10, placing it in the low category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to tsunami and volcano.
Within South Dakota, ZIP 57650's risk is, slightly below the 4.9/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of South Dakota identifies wildfire as the foremost hazard, followed by tsunami and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, ZIP 57650 is not immune to natural hazards. Basic preparedness β an emergency kit, awareness of seasonal risks, and property insurance that covers wildfire β remains prudent for all residents.
What this means for ZIP 57650: Wildfire preparedness
- 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.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
Risk for the surrounding area
Local Factors for ZIP 57650
These city-level factors differentiate ZIP 57650 from other communities in South Dakota County and provide geographic context for its hazard exposure.
Population
17
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.8Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.5/10
Coordinates
45.8346Β° N, 103.0303Β° 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 57650
Last 12 months Β· 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 1β10 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.