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–Not graded
Natural hazards in Scotland · FEMA

Storms, floods and disasters in Scotland

Scotland isn’t graded for hazard risk: Scotland has 851 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 13 declared for its 2 counties
By hazard

What Scotland 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

64%of expected building damage
About average · lower than 50% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 5 years in the area

Strong wind

7%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hail Ice storms Winter storms top 1% Wildfire Earthquakes Heat waves top 0% Lightning Cold waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 24% of Scotland’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Scotland flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Scotland. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Scotland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bon Homme County.
Disasters

2 federal disasters brought FEMA money to Scotland

Disasters that paid out in Scotland itself (aid to households or repair grants to the City of Scotland), newest first, with that year’s flood claims.

  1. 2019Severe Winter Storm, Snowstorm, and Flooding24 households applied for aid$56K aid approved
  2. 2005Severe Winter Storm$3K to the City of Scotland for repairs
Disasters declared, by decade
Paid out in Scotlandits 2 counties only

Its 2 counties have 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.

Were you here?

Old photos of Scotland after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Scotland archive →
Be ready

Get ready for what Scotland faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Scotland

Is Scotland 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 Bon Homme County, 0.0% of all homes carry federal flood insurance.

How much is flood insurance in Scotland?

FEMA’s Community Rating System list shows no discount for Scotland’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 Scotland?

By FEMA money that reached Scotland, Severe Winter Storm, Snowstorm, and Flooding (2019): 24 households applied for aid, $56K approved.

Storm stories

Memories, warnings and help from neighbors in Scotland.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Scotland’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.