FEMA Records
20
Above median
South Dakota · FEMA + NOAA + National Risk Index
Lake County, SD
20 FEMA disaster declarations (1969-2024), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 20
- FEMA declarations
- 17
- Major disasters
- 33
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Two federal records point in the busier direction for Lake County. Its 20 FEMA declarations are 5% above the South Dakota county mean and exceed the count for 46% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 33%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 33%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 20
- FEMA declarations vs 21 national county avg
- 291
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 46079 · Lake County 20 declarations · rank 1594/3,266
DECL-HEAVY · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 20
- MAJOR-HEAVY 85%
- RANK-LOWER #1,594
- PHOTO-FINISH Monona
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Flood
- VS-ST-ABOVE +5%
Nearest declaration peer: Monona, IA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · South Dakota state profile
Lake County in the declaration-count neighbourhood
FEMA declaration records among Lake County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Cleveland · near 20
Cleveland · near
20 declarations
- Lake · this county 20
Lake · this county
20 declarations
- Monona · near 20
Monona · near
20 declarations
- Tallapoosa · near 20
Tallapoosa · near
20 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Lake County carries 20 FEMA declaration records, ranked 1594 of 3,266 counties in this registry.
How Lake County's FEMA declaration count compares nationally
Lake County vs. all counties in this dataset
FEMA disaster declarations, all-time · Lake County
20 46th percentile higher than 46% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Lake County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Lake County is led by Riverine Flooding (about $4.4M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Winter Weather carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Lake County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 291 paid claims, totaling $7.7M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $26.5K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
The declaration register points in the busier direction. Lake County's 20 federal records stand 5% above the South Dakota county mean of 19.0. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 32.6/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $11.7M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Winter Weather carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 19 times per year here, based on 362 historical events on record.
63 /100
Historical Activity Index
High historical activity
Lake County, SD · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
14/30
20 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density High
13/25
20 declarations (1.1x state county average of 19)
Major Disaster Share Very High
21/25
17 of 20 declarations are major disasters (85%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Lake County
FEMA NRI 8-hazard radar - Lake County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
85%
Mostly major
NRI risk score
33
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Lake County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Winter Weather | Relatively Moderate | an average of 19 times per year |
| Ice Storm | Relatively Moderate | roughly once every 1 years |
| Tornado | Relatively Moderate | roughly once every 2 years |
| Hail | Relatively Low | an average of 5.4 times per year |
| Cold Wave | Relatively Low | an average of 10 times per year |
| Wildfire | Very Low | roughly once every 2,170 years |
| Drought | Relatively Low | 8 modeled event-days per year |
| Strong Wind | Relatively Low | an average of 3.6 times per year |
| Heat Wave | Very Low | 4.3 modeled event-days per year |
| Riverine Flooding | Very Low | roughly once every 1 years |
| Landslide | Very Low | roughly once every 16 years |
| Earthquake | Very Low | roughly once every 3,279 years |
| Lightning | Very Low | an average of 36 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 8
Severe Storm 7
Biological 2
Coastal Storm 1
Snowstorm 1
Drought 1
What Flood declarations mean here
Flood is the most frequent declaration type on Lake County's record, 40% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 17 85.0%
of all 20 declarations
Emergency - 3 15.0%
of all 20 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2022 | 1 | |
| 2020 | 3 | |
| 2019 | 1 | |
| 2011 | 2 | |
| 2010 | 1 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 1997 | 3 | |
| 1996 | 1 | |
| 1995 | 1 | |
| 1993 | 1 | |
| 1984 | 1 | |
| 1976 | 1 | |
| 1969 | 1 | |
Disaster Declarations
How the 20 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 20 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4807 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2024-08-15 |
| 4656 | SEVERE STORM, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2022-06-29 |
| 4527 | COVID-19 PANDEMIC | DR | Biological | 2020-04-05 |
| 3475 | COVID-19 | EM | Biological | 2020-03-13 |
| 4469 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2019-11-18 |
| 4440 | SEVERE WINTER STORM, SNOWSTORM, AND FLOODING | DR | Flood | 2019-06-07 |
| 1984 | FLOODING | DR | Flood | 2011-05-13 |
| 1947 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2010-11-02 |
| 1915 | FLOODING | DR | Flood | 2010-05-13 |
| 1702 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2007-05-22 |
| 3234 | HURRICANE KATRINA EVACUATION | EM | Coastal Storm | 2005-09-10 |
| 1173 | SEVERE FLOODING, SEVER WINTER STORMS,HEAVY RAINS HIGH WINDS | DR | Flood | 1997-04-07 |
| 1161 | SEVERE WINTER STORM | DR | Severe Storm | 1997-02-28 |
| 1156 | SEVERE WINTER STORMS AND BLIZZARD CONDITIONS | DR | Severe Storm | 1997-01-10 |
| 1075 | SEVERE WINTER STORM | DR | Snowstorm | 1996-01-05 |
| 1052 | FLOODING | DR | Flood | 1995-05-26 |
| 999 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1993-07-19 |
| 717 | SEVERE STORMS & FLOODING | DR | Flood | 1984-07-19 |
| 3015 | DROUGHT | EM | Drought | 1976-06-17 |
| 257 | FLOODING | DR | Flood | 1969-04-18 |
Storm Events in South Dakota
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Lake County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 5,388 | 7 | 21 | $10.7M |
| Hail | 4,801 | 0 | 3 | $4.5M |
| High Wind | 2,277 | 0 | 1 | $35.0K |
| Winter Weather | 2,125 | 20 | 50 | $133.0K |
| Flood | 1,523 | 5 | 0 | $196.2M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
291
Total Paid
$7.7M
Avg Per Claim
$26.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 32.6/100
Expected Annual Loss
Very Low
$11.7M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Winter Weather Relatively Moderate
Ice Storm Relatively Moderate
Tornado Relatively Moderate
Hail Relatively Low
Cold Wave Relatively Low
Wildfire Very Low
Drought Relatively Low
Strong Wind Relatively Low
Heat Wave Very Low
Riverine Flooding Very Low
Landslide Very Low
Earthquake Very Low
Lightning Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Winter Weather
Winter Weather in the model means the accumulation of snow and cold that disrupts rather than destroys: road closures, roof loads, burst pipes and lost heating. Its costs land heavily on transport and on households least able to absorb an interruption.
Worth noting for Lake County: the model and the federal record do NOT point at the same hazard. Winter Weather carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Lake County's closest FEMA peer: Ida County, IA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Lake County. Record similarity, not a safety rating.
Closest declaration profiles
Lake County shows 20 FEMA declarations, led by Flood.
Similar Major-disaster share
Lake County: 17 of 20 of its declarations are Major.
Similar modeled NRI score
Lake County: NRI composite 32.6 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Lake County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Lake County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 32.6 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 20. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Lake County's NFIP claims file (291 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Lake County?
The most common disaster type in Lake County is Flood, with 8 declarations. Other disaster types include Severe Storm (7), Biological (2), Coastal Storm (1).
How does Lake County's FEMA declaration record compare with the South Dakota average?
FEMA lists 20 declaration records for Lake County. That is 5% above the South Dakota county mean of 19.0. Its count is also 3% below the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Lake County received?
Lake County has received 17 major disaster declarations, representing 85% of all 20 disaster declarations.
How many flood insurance claims has Lake County filed?
Lake County has 291 National Flood Insurance Program (NFIP) claims totaling $7.7M in payments, with an average of $26.5K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Lake County?
No. In Lake County, Winter Weather has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $4.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Lake County?
The most active year for disaster declarations in Lake County was 1997, with 3 declarations. The county has FEMA disaster data spanning 1969 to 2024.
What is the FEMA National Risk Index score for Lake County?
According to the FEMA National Risk Index, Lake County, South Dakota has an overall risk score of 32.6 out of 100 (Very Low). Social vulnerability here rates Relatively Low, while community resilience comes in at Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $11.7M in annualized losses.
Which natural hazard poses the greatest risk to Lake County?
The top hazard flagged by FEMA's NRI for Lake County is Winter Weather (risk rating: Relatively Moderate). Other significant hazards include Ice Storm (Relatively Moderate) and Tornado (Relatively Moderate). FEMA's modeled event frequency puts winter weather here at an average of 19 times per year, drawn from 362 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Lake County · vintage 2026-08-25 · Methodology · South Dakota profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events