South Dakota Home-Insurance Distress by County

Across South Dakota, insurance distress averages 17/100 at the county level — below the national average, ranking 42nd nationally. DLRadar tracks all 66 South Dakota counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Statewide, the pressure is driven by an average FEMA hazard score of 24/100 and average NFIP flood-claim stress of 12/100 — the exposures carriers price against and increasingly decline to renew, and why South Dakota premiums climb faster than incomes.

Over three years, South Dakota counties recorded 77 NFIP flood claims totaling $5,936,536 paid — the loss history insurers convert into higher premiums the next renewal.

DLRadar treats the South Dakota insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

DLRadar re-scores every South Dakota county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

At the top of the South Dakota table sits Union County (68/100) and Davison County. The table underneath sorts all South Dakota counties by insurance distress, with a link to each detail page.

What South Dakota's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two South Dakota counties with similar weather can diverge sharply on distress.

The South Dakota average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

For South Dakota, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces South Dakota's insurance-squeezed sellers ahead of the market.