Flood insurance claims in Brown County, South Dakota

FEMA records 484 National Flood Insurance Program claims in Brown County, South Dakota, since 1978, with $3.3 million paid in total. The year with the most claims was 2007, with 169. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 8.1% of homes in the high-risk flood zone did.

NFIP claims on record484

Total paid$3.3 million

Claims with a payment387

Homes with NFIP policy0.7%

High-risk zone homes insured8.1%

Residential policies in force114

Claims by year of loss

NFIP claims by year of loss, Brown County, South Dakota

Paid on claims by year of loss (building, contents and increased cost of compliance), Brown County, South Dakota

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	72
Late spring storms	11
Midwest Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
57401	425
57445	14
57481	10
57441	8
57446	6
57402	5
57433	4
57474	4
57451	2
57449	1

171 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.1 million, contents $209,089, increased cost of compliance $21,977.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	884	72	8.1%
All homes	17,129	114	0.7%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.