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Risk: Very Low

Moody County, SD Environment & Hazard Risk

Very Low natural hazard risk, led by ice storm. 623 storm events since 1996.

Expected yearly loss
$8.82M
Very Low nationally
Storm events since 1996
623
Most often hail
Flood insurance policies
16
0.4% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 26.9 of 100

Social vulnerability

Relatively Moderate

Score 40.6 of 100

Community resilience

Relatively Moderate

Score 59.6 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $3.75B · Agriculture value exposed: $278M · Risk-adjusted yearly loss: $9.33M

Risk by hazard

  • Ice stormRelatively High$1.24M/yr expected annual loss, about once every 1 year
  • Winter weatherRelatively Moderate$180K/yr expected annual loss, about 19 events a year
  • HailRelatively Low$564K/yr expected annual loss, about 5.4 events a year
  • TornadoRelatively Low$1.94M/yr expected annual loss, about once every 2 years
  • DroughtRelatively Low$324K/yr expected annual loss, about 12 events a year
  • WildfireVery Low$58.62K/yr expected annual loss, about once every 1,873 years
  • Cold waveRelatively Low$844K/yr expected annual loss, about 11 events a year
  • Strong windRelatively Low$469K/yr expected annual loss, about 3.7 events a year
  • Heat waveVery Low$171K/yr expected annual loss, about 3.7 events a year
  • LandslideVery Low$167/yr expected annual loss, about once every 18 years
  • EarthquakeVery Low$12.49K/yr expected annual loss, about once every 2,865 years
  • LightningVery Low$14.96K/yr expected annual loss, about 37 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
16 of 4,351 (0.4%)
Homes in high-risk flood zones
165
Insured in high-risk zones
13 (8%)
Flood claims since 1978
59
Claims paid since 1978
$760K

Flood claims paid per year

Flood claims paid per year in Moody County
  • Flooding$92.56K · 16 claims
  • Midwest Flooding$43.93K · 5 claims

Storm history

Since 1996: 623 events, 2 deaths, $30.68M in damage

  • Hail112
  • Winter Weather98 · 1 death
  • Flood91
  • Thunderstorm Wind79
  • Winter Storm38
  • Drought38
  • High Wind38
  • Blizzard30
  • Extreme Cold/Wind Chill22
  • Cold/Wind Chill18

Events per year

Storm events per year in Moody County
11
11
13
19
14
25
11
13
17
18
17
38
59
28
26
39
30
24
26
13

10 tornadoes on record (EF1 1, F0 7, F1 1, F2 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood06/01/2019

    Colman, Moody County

    $15.79M damage

    What happened

    During crop planting season, prolonged flooding led to the loss of or inability to plant crops across the area. Crop loss estimates provided by the United States Department of Agriculture.

  • Ice Storm11/15/1996

    Moody

    1 death, 2 injured, $400K damage

    What happened

    An ice storm consisting of several periods of freezing rain caused widespread damage and paralyzed travel. Widespread damage occurred to electrical poles and lines, leaving thousands without power for up to four days. Numerous accidents occurred, including many vehicles which slid off the road. One fatality occurred in a semi accident on Interstate 90 near Plankinton on November 14th. Two fatalities occurred 9 miles south of Coleman when a car slid off a gravel road and into a stream, drowning the occupants, also on November 14th. A school bus slid into a ditch near Lennox on November 18th, causing four minor injuries. Several injuries due to falls were reported in the Sioux Falls area. Many surfaces were coated with more than an inch of ice, making gravel roads as slippery as paved roads. Tree damage was widespread with tree debris blocking several roads and siedwalks. Some farm buildings and other small structures were damaged by the weight of ice and snow on roofs. Damage continued past the ending of the ice storm, including some damage when ice melted unevenly during later milder weather. The total extent of the damage was expected to be unknown for a long period.

  • Winter Weather01/03/2020

    Moody

    1 death, 1 injured

    What happened

    Snowfall totaled 1.1 inches in Flandreau and 1.0 inch 11 miles north of Colman. Despite the lesser snowfall amounts, winds gusted as high as 33 mph at Flandreau which resulted in visibility briefly as low as one half mile. The following morning, a fatality (indirect) occurred when a northbound pickup pulling a trailer lost control on icy Interstate 29 west of Flandreau and rolled in the median, coming to rest on its roof. The driver, who was not wearing a seat belt, was thrown into the southbound lane and struck by a southbound SUV. A passenger in the pickup was also injured (indirect).

  • Drought10/01/2023

    Moody

    $6.53M damage

    What happened

    Extreme (D3) drought conditions improved to severe (D2) by mid-month. Crop damage is an estimate from insured losses. Information provided by the United States Department of Agriculture.

  • Hail2" hail06/19/1996

    Flandreau, Moody County

    $1.2M damage

    What happened

    Hail destroyed corn, bean, strawberry, and other crops over a wide area. The hail also broke windows and otherwise damaged cars and buildings. The damage was especially severe due to the long duration of the hail.

  • Thunderstorm Wind65 kt wind05/06/2012

    Flandreau, Moody County

    $1M damage

    What happened

    Thunderstorm winds caused widespread damage in the south part of Flandreau. Roofs on homes, apartment buildings, and other buildings were blown off or damaged. The roof of a large church was blown off, and parts of the roof damaged nearby homes. The Flandreau city office building had part of its south wall blown off, resulting in interior damage to ceiling tiles and insulation. Siding on other walls of this building and on numerous homes was damaged. Tree damage was widespread, including several trees blown down or uprooted. The winds blew down power lines, leaving parts of the city without power for almost three hours.

Latest storm reports

Newest first

  • Drought07/01/2026

    Moody

  • Heat06/29/2026

    Moody

  • Drought06/01/2026

    Moody

  • Hail1" hail05/25/2026

    Flandreau, Moody County

  • Hail0.75" hail05/25/2026

    Sioux Falls Jct, Moody County

  • Drought05/01/2026

    Moody

  • Drought04/01/2026

    Moody

  • Drought03/31/2026

    Moody

Drinking water

7 community water systems serve about 9,401 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

  • Big Sioux Community Water SystemServes 5,800 · Groundwater · PrivateNo health violations+1 monitoring or reporting
  • FlandreauServes 2,372 · Purchased groundwater · Local government1 health violation+1 monitoring or reporting
  • ColmanServes 634 · Purchased groundwater · Local governmentNo health violations
  • EganServes 241 · Purchased groundwater · Local governmentNo health violations
  • TrentServes 206 · Purchased groundwater · Local governmentNo health violations+3 monitoring or reporting
  • Pleasant Valley ColonyServes 107 · Groundwater · PrivateNo health violations
  • WardServes 41 · Groundwater · Local governmentNo health violations+51 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Flandreau, 4.4 mi from the county center

Summer highs peak around 81°F in Jul and winter lows bottom out near 4°F in Jan. About 28.5 inches of rain falls in a typical year, with 40.4 inches of snow.

MonthHighLowRainSnow
Jan23°F4°F0.54 in5.8 in
Feb28°F7°F0.76 in8.2 in
Mar40°F19°F1.32 in6.2 in
Apr54°F31°F2.67 in4.8 in
May67°F45°F4.12 in0.1 in
Jun77°F56°F4.53 in-
Jul81°F60°F3.81 in-
Aug79°F57°F3.60 in-
Sep72°F48°F3.07 in-
Oct58°F34°F2.21 in1.2 in
Nov41°F21°F1.01 in5.6 in
Dec28°F10°F0.85 in8.5 in
Year43°F average28.5 in40.4 in

Pollution sites

0 Superfund sites and 0 toxic release facilities in Moody County

No Superfund sites or toxic release facilities in Moody County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk13 historic places

Frequently asked questions

How risky is Moody County for natural disasters?
FEMA rates Moody County very low for overall natural hazard risk, with expected losses of $8.82M a year. The highest-rated hazards are ice storm (relatively high), winter weather (relatively moderate), hail (relatively low).
What storms are most common in Moody County?
Since 1996, NOAA recorded 623 storm events affecting Moody County, most often hail (112), winter weather (98), flood (91).
How many tornadoes have hit Moody County?
10 tornadoes have been recorded in Moody County since 1950.
How many homes in Moody County have flood insurance?
16 residential flood insurance policies are in force in Moody County, covering about 0.4% of homes. The program has paid $760K on 59 claims here since 1978.
What is the weather like in Moody County?
At Flandreau, average highs reach 81°F in Jul and lows fall to 4°F in Jan, with 28.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.