Flood insurance claims in Grant County, South Dakota

FEMA records 41 National Flood Insurance Program claims in Grant County, South Dakota, since 1997, with $329,139 paid in total. The year with the most claims was 1997, with 12. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 2.8% of homes in the high-risk flood zone did.

NFIP claims on record41

Total paid$329,139

Claims with a payment36

Homes with NFIP policy0.2%

High-risk zone homes insured2.8%

Residential policies in force8

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	12
Severe flooding	10
Late spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
57216	22
57252	17
57246	1
57259	1

17 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $293,446, contents $35,693, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	179	5	2.8%
All homes	4,573	8	0.2%

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.