Photo: AlexiusHoratius · CC BY-SA 3.0On FEMA’s figures, Baltic faces less hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Baltic gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then tornadoes (21%). Flood insurance has paid 1 claim here since 2019.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Baltic faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Baltic’s grade
River and rain flooding is 68% of the building damage FEMA expects in Baltic, and Baltic’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 5% of U.S. census tracts.
B+ lower expected damage per building than 68% of U.S. towns (21,298).
All of Baltic’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $800K a year in losses across Baltic: $311K to buildings, the rest to people and crops.
Does Baltic flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in Baltic, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Baltic isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Minnehaha County.1 federal disaster brought FEMA money to Baltic
Disasters that paid out in Baltic itself (aid to households or repair grants to the City of Baltic), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, and Flooding1 households applied for aid$4K aid approved1 flood claim paid that year
Minnehaha County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Baltic after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baltic archive →Baltic and its neighbors
Baltic has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Baltic | B+less damage than 68% | river and rain flooding | 1 |
| Sverdrup Township | — | 861 residents; we grade 1,000+ | |
| Dell Rapids Township | — | 704 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Baltic faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Baltic
Is Baltic at risk for natural disasters?
On FEMA’s National Risk Index, Baltic has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (68%) and tornadoes (21%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Baltic flood?
Flood insurance has paid 1 claim in Baltic since 2019, $6K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Baltic in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Minnehaha County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Baltic?
FEMA’s Community Rating System list shows no discount for Baltic’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Baltic?
By FEMA money that reached Baltic, Severe Storms, Tornadoes, and Flooding (2019): 1 households applied for aid, $4K approved.
Is Baltic at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Baltic’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Baltic.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baltic’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.