Flood insurance claims in Pennington County, South Dakota

FEMA records 135 National Flood Insurance Program claims in Pennington County, South Dakota, since 1978, with $555,583 paid in total. The year with the most claims was 1997, with 18. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 15.6% of homes in the high-risk flood zone did.

NFIP claims on record135

Total paid$555,583

Claims with a payment70

Homes with NFIP policy0.6%

High-risk zone homes insured15.6%

Residential policies in force253

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	4
Late spring storms	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
57702	43
57701	32
57719	27
57703	19
57745	8
57751	4
57730	2

66 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $528,430, contents $27,153, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,251	195	15.6%
All homes	40,123	253	0.6%

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.