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Flood insurance cost · SD

Flood insurance cost in South Dakota

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,939 home policies in force on August 31, 2026.

South DakotaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,161a year

Half of insured homes paid between $820 and $1,452. That is 7% more than the national median ($1,082). Most insured homes here are rated in zone AE (52%).

$0$820 · $1,161 · $1,452$1,815
+8.7% vs Aug 31, 2025 (median $1,068)
1,939home policies in force
$1,305average cost (mean)
65%of insured homes in high-risk zones (A, V)
$226,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in South Dakota, county by county.

Cost by flood zone in South Dakota

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,132$810–$1,601$1,3531,002 (52%)+4.9%
Zone A
High risk		$1,155$826–$1,623$1,437225 (12%)+9.6%
Zone AO
High risk, shallow		$1,724$1,370–$2,672$2,01433 (2%)+15.5%
Zone X
Moderate to low risk		$1,175$830–$1,403$1,153668 (34%)+12.8%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in South Dakota, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,755$1,189$1,334
2–4 unit building34$961$1,277
Manufactured (mobile) home135$855$992
Condo or apartment unit15$841$804
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		31$2,400$2,943
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		411$1,647$2,524
2,381NFIP policies in force, any building
2,385insured units (condo association policies count every unit)
57%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: South Dakota

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force2,1141,939−8.3%
Median annual cost$1,068$1,161+8.7%
Average annual cost$1,217$1,305+7.2%
All policies in force (any building)2,6232,381−9.2%

Flood claims history

Since 1978, NFIP policyholders in South Dakota have filed 4,016 flood claims. 3,002 received a payment, for a total of $62.6 million (an average of $20,842 per paid claim). The year with the most claims was 2011 (927 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 122 claims, 107 paid, $273,786 in total1979: 59 claims, 45 paid, $39,350 in total1980: 14 claims, 10 paid, $16,095 in total19801982: 35 claims, 23 paid, $92,168 in total1983: 25 claims, 21 paid, $40,914 in total1984: 69 claims, 50 paid, $355,544 in total1986: 83 claims, 53 paid, $324,423 in total1987: 11 claims19901993: 120 claims, 93 paid, $781,424 in total1994: 18 claims, 14 paid, $161,389 in total1995: 33 claims, 18 paid, $212,758 in total1996: 39 claims, 24 paid, $240,382 in total1997: 644 claims, 530 paid, $8,082,543 in total19971998: 45 claims, 27 paid, $316,773 in total1999: 122 claims, 94 paid, $1,443,807 in total2000: 12 claims20002001: 139 claims, 116 paid, $978,013 in total2003: 11 claims2007: 208 claims, 178 paid, $2,663,314 in total2008: 50 claims, 36 paid, $454,064 in total2009: 19 claims, 13 paid, $201,637 in total2010: 361 claims, 292 paid, $3,837,793 in total20102011: 927 claims, 568 paid, $14,453,393 in total20112012: 47 claims, 38 paid, $453,466 in total2013: 14 claims, 10 paid, $221,349 in total2014: 58 claims, 43 paid, $1,729,169 in total2015: 54 claims, 36 paid, $2,234,534 in total2018: 19 claims, 13 paid, $129,493 in total2019: 494 claims, 428 paid, $15,723,756 in total20192020: 18 claims20202023: 10 claims2024: 73 claims, 63 paid, $5,906,072 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20247363$5,906,072$93,747
202310<10––
202018<10––
2019494428$15,723,756$36,738
20181913$129,493$9,961
20155436$2,234,534$62,070
20145843$1,729,169$40,213
20131410$221,349$22,135
20124738$453,466$11,933
2011927568$14,453,393$25,446
2010361292$3,837,793$13,143
20091913$201,637$15,511
20085036$454,064$12,613
2007208178$2,663,314$14,962
200311<10––
2001139116$978,013$8,431
200012<10––
199912294$1,443,807$15,360
19984527$316,773$11,732
1997644530$8,082,543$15,250
19963924$240,382$10,016
19953318$212,758$11,820
19941814$161,389$11,528
199312093$781,424$8,402
198711<10––
19868353$324,423$6,121
19846950$355,544$7,111
19832521$40,914$1,948
19823523$92,168$4,007
19801410$16,095$1,610
19795945$39,350$874
1978122107$273,786$2,559

From 2016 to 2026: 614 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in South Dakota

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Brookings County57$994
Butte County27$1,686
Clark County10$849
Custer County45$1,440
Davison County39$904
Day County12$1,136
Hamlin County59$1,187
Hughes County32$1,407
Hutchinson County15$1,155
Kingsbury County11$891
Lawrence County78$1,033
Lincoln County59$901
McCook County20$1,136
Meade County65$1,284
Moody County16$1,412
Roberts County21$1,602
Spink County14$1,221
Stanley County86$1,410
Turner County20$1,224
Yankton County66$1,202