FEMA records 3,965 NFIP claims in South Dakota's counties, with $62.3 million paid. As of 3 August 2026, 2,011 NFIP residential policies were in force, equal to 0.5% of the state's residential structures.
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.
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.