Flood history / South Dakota
South Dakota
flood claim history.
Across the 9 South Dakota ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $33.7M on 2,165 claims between 1978 and 2026. ZIP 57201 in Codington County carries the most at 462, 21.3% of the state total shown here.
The events driving the most paid claims across these ZIPs are Late spring storms (408 claims), Severe flooding (71 claims) and Midwest Flooding (63 claims).
58.2% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every South Dakota ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 57201 | Codington County | 462 | $6.5M | 1997 195 |
| 57401 | Brown County | 425 | $2.7M | 2007 165 |
| 57049 | Union County | 362 | $5.9M | 2011 322 |
| 57273 | Day County | 228 | $3.6M | 1999 71 |
| 57042 | Lake County | 226 | $5.4M | 2019 101 |
| 57212 | Brookings County | 120 | $1.4M | 2011 41 |
| 57532 | Stanley County | 118 | $2.6M | 2011 103 |
| 57234 | Hamlin County | 115 | $1.5M | 2011 36 |
| 57105 | Minnehaha County | 109 | $4.2M | 2019 31 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.