Harding County, SD
Composite Insurance Risk Score: 77.6 / 100 (National rank: #99)
Axis Scores
Climate Safety
96.3
Insurance Affordability
58.1
Housing Affordability
87.4
Community Resilience
53.6
Social Resilience
97.1
Housing Stability
60.1
Key Metrics
| Annual Insurance Premium (state avg) | $2,000 |
| Insurance Burden (% of income) | 2.49% |
| Price-to-Income Ratio | 2.06 |
| FEMA Risk Score (0-100) | 3.8 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).