Harding County, South Dakota: hazard risk
FEMA rates Harding County's overall risk Very Low (score 1.5 of 100, higher than 1% of rated U.S. counties). Its storm record holds 1,107 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Wildfire | Relatively Low | 82.6 | $760K |
| Winter Weather | Relatively Low | 40.9 | $65K |
| Ice Storm | Relatively Low | 28.7 | $41K |
| Hail | Very Low | 24.1 | $123K |
| Cold Wave | Very Low | 21.5 | $354K |
| Landslide | Very Low | 19.2 | $150 |
| Drought | Very Low | 18.8 | $4K |
| Tornado | Very Low | 8.2 | $64K |
| Strong Wind | Very Low | 6.8 | $64K |
| Earthquake | Very Low | 5.8 | $8K |
| Heat Wave | Very Low | 3.5 | $4K |
| Riverine Flooding | Very Low | 3.5 | $772K |
| Lightning | Very Low | 2.1 | $10K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 366 | 0 | $457K | 65th of 66 | 2309th of 3,080 |
| Severe thunderstorm wind | 359 | 0 | $396K | 59th of 66 | 2448th of 3,080 |
| High wind and dust storms | 202 | 0 | $177K | 24th of 66 | 543rd of 3,080 |
| Winter storms | 121 | 0 | $11M | 63rd of 66 | 2324th of 3,077 |
| Tornadoes | 22 | 0 | $289K | 66th of 66 | 2591st of 3,080 |
| Floods | 20 | 0 | $910K | 66th of 66 | 2843rd of 3,080 |
| Extreme cold | 11 | 0 | – | 63rd of 66 | 2388th of 3,076 |
| Wildfires | 4 | 0 | – | 17th of 66 | 1009th of 2,972 |
| Heat | 1 | 0 | – | 63rd of 66 | 2474th of 3,076 |
| Heavy rain | 1 | 0 | – | 32nd of 66 | 2360th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Harding County record: every hazard by year and month, the deadliest events and FEMA's declarations.