Flood insurance claims in Roberts County, South Dakota

FEMA records 51 National Flood Insurance Program claims in Roberts County, South Dakota, since 1978, with $613,347 paid in total. The year with the most claims was 2010, with 16. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 4.5% of homes in the high-risk flood zone did.

NFIP claims on record51

Total paid$613,347

Claims with a payment49

Homes with NFIP policy0.5%

High-risk zone homes insured4.5%

Residential policies in force25

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Severe flooding	7
Flooding	5
Midwest Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
57216	12
57279	10
57260	10
57262	9
57227	6
56219	2
57201	2

26 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $554,025, contents $43,025, increased cost of compliance $16,297.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	286	13	4.5%
All homes	5,141	25	0.5%

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.