Flood Claims Map

South Dakota

Flood insurance claims in Union County, South Dakota

FEMA records 443 National Flood Insurance Program claims in Union County, South Dakota, since 1984, with $7.6 million paid in total. The year with the most claims was 2011, with 366. As of 3 August 2026, 2.5% of homes here had an NFIP policy, and 26.0% of homes in the high-risk flood zone did.

NFIP claims on record443
Total paid$7.6 million
Claims with a payment201
Homes with NFIP policy2.5%
High-risk zone homes insured26.0%
Residential policies in force199

Claims by year of loss

1984: 119841985: 01986: 01987: 01988: 019881989: 01990: 01991: 01992: 019921993: 21994: 01995: 11996: 1819961997: 11998: 11999: 02000: 020002001: 12002: 02003: 02004: 020042005: 02006: 02007: 02008: 020082009: 02010: 32011: 3662012: 220122013: 02014: 222015: 12016: 020162017: 02018: 12019: 82020: 020202021: 02022: 02023: 12024: 142024366

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

1984: $019841985: $01986: $01987: $01988: $019881989: $01990: $01991: $01992: $019921993: $28,1541994: $01995: $01996: $151,04019961997: $01998: $01999: $02000: $020002001: $7,0002002: $02003: $02004: $020042005: $02006: $02007: $02008: $020082009: $02010: $85,2542011: $4.3 million2012: $020122013: $02014: $506,4212015: $02016: $020162017: $02018: $13,6192019: $180,2362020: $020202021: $02022: $02023: $17,2152024: $2.3 million2024$4.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late spring storms355
June Midwest Flooding14
Midwest Flooding1
Flooding1
Severe flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
57049362
5703866
5702514
570011

124 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.8 million, contents $685,220, increased cost of compliance $47,645.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2085426.0%
All homes7,8831992.5%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.