South Dakota Home-Insurance Distress by County

Home-insurance distress across South Dakota is below the national norm: 66 counties average 20/100, 41st of 52 states.

5 of South Dakota's 66 counties score 70 or higher (severe).

South Dakota's reading rests on a FEMA hazard average of 27/100 and NFIP flood-claim stress of 13/100.

Over three years South Dakota counties filed 79 NFIP flood claims, $5,968,030 paid.

Highest in South Dakota: Union County 73/100 (#571 US), Davison County 72/100 (#590 US), Minnehaha County 71/100 (#613 US), Turner County 71/100 (#615 US), Lincoln County 71/100 (#616 US).

South Dakota counties by insurance band: 32 zero (South Dakota), 25 low, 9 medium; South Dakota NFIP claims, three years: 79; South Dakota payouts $6.0 million.

South Dakota counties with the most NFIP claims: Minnehaha 23 ($907,966); Union 14 ($2.3 million); Davison 10 ($1.2 million) in South Dakota; Lincoln 9 ($662,301); Turner 8 ($713,732).

South Dakota county average rose: 16.6 in March 2026; South Dakota reads 17.5 in October 2026; South Dakota by month: March 16.6, April 16.6, May 17.0 (South Dakota), June 17.0, July 15.8, August 15.4 (South Dakota), September 17.6, October 17.5.

Highest South Dakota ZIPs, insurance distress: 33955 81 (climate 94), 33983 81 (climate 94) in South Dakota, 33950 81 (climate 94), 33982 81 (climate 94) in South Dakota, 33954 81 (climate 94), 33947 81 (climate 94) in South Dakota.

Reading the South Dakota bands: 0 of 66 South Dakota counties sit in a high or worse insurance band; South Dakota filed 79 NFIP claims in three years, $6.0 million paid to South Dakota policyholders; a South Dakota county's band moves when FEMA hazard revisions, new South Dakota NFIP settlements or carrier filings change its monthly score.