Photo: Jeffrey Beall · CC BY 4.0Rapid Valley’s building-damage rate from wildfire is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Rapid Valley gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #3 of 35 in South Dakota. Most of that expected damage is river and rain flooding (57%), then wildfire (18%). FEMA’s files show no paid flood insurance claims here.
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 Rapid Valley 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
Wildfire
Hail
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 Rapid Valley’s grade
River and rain flooding is 57% of the building damage FEMA expects in Rapid Valley, and Rapid Valley’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Wildfire adds 18%, at a rate in the top 4% of U.S. census tracts.
B #3 of 35 in South Dakota; lower expected damage per building than 63% of U.S. towns (21,298).
Rapid Valley’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical South Dakota town has higher expected damage than 58% of U.S. towns; within the state, Rapid Valley has less expected damage per building than 94% of South Dakota towns.
In dollars, FEMA expects about $1.8M a year in losses across Rapid Valley: $1.0M to buildings, the rest to people and crops.
Does Rapid Valley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rapid Valley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rapid Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pennington County.The storms Rapid Valley remembers
None of the 13 disasters declared for Pennington County shows FEMA aid or repair money reaching Rapid Valley itself in FEMA’s records, so these are its biggest flood-claim years.
Pennington County has had 13 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.
Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pennington County, 2002–2021.
Rapid Valley and its neighbors
Rapid Valley has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rapid Valley | Bless damage than 63% | river and rain flooding | 0 |
| Rapid City | Bless damage than 62% | river and rain flooding | 35 |
| Green Valley | Cmore damage than 66% | river and rain flooding | — |
| Box Elder | C−more damage than 75% | river and rain flooding | 16 |
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 Rapid Valley 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Rapid Valley
Is Rapid Valley at risk for natural disasters?
On FEMA’s National Risk Index, Rapid Valley has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #3 of 35 in South Dakota. Most of the expected damage is river and rain flooding (57%) and wildfire (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rapid Valley 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 Pennington County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Rapid Valley?
FEMA’s Community Rating System list shows no discount for Rapid Valley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Rapid Valley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Rapid Valley’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rapid Valley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rapid Valley’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.