FloodZoneCheck

South Dakota Flood Zones

FEMA Flood Zone Lookup in South Dakota

Look up any address in South Dakota to find its FEMA flood zone designation, insurance requirements, and base flood elevation — sourced from the official National Flood Hazard Layer.

South Dakota faces flood risk from the Missouri River, which runs through the center of the state, as well as flash flooding in the Black Hills and along smaller rivers and creeks. The 2011 Missouri River flood was one of the most significant in state history, with releases from upstream dams inundating communities along the river including Pierre, Fort Pierre, and parts of Yankton. The Big Sioux River floods regularly through Sioux Falls, with the 1986 and 2019 events causing significant damage. The Black Hills region faces flash flood risk from steep terrain and narrow canyons, with the 1972 Rapid City flood being the state's deadliest disaster when a wall of water killed 238 people and destroyed much of the city. Rapid City has since invested heavily in flood control along Rapid Creek including channels, detention basins, and open space preservation. The Cheyenne River and White River in western South Dakota also create flood risk during spring snowmelt. The state has approximately 175 NFIP-participating communities with high-risk zones concentrated along the Missouri River corridor and in the Black Hills region. South Dakota's agricultural economy means that flooding impacts extend beyond property damage to crops, livestock, and rural infrastructure.

Most Common Zones

Zone A and Zone AE along the Missouri, Big Sioux, and James rivers; Zone X (shaded) for moderate-risk areas in Sioux Falls and Rapid City; Zone AO for shallow flooding in agricultural lowlands; Zone AH for shallow flooding along Rapid Creek in the Black Hills.

Most Flood-Prone Counties

Minnehaha County, Pennington County, Hughes County, Lincoln County, Yankton County

Typical Insurance Costs

NFIP premiums typically range $400-$800 for standard-risk properties. Missouri River properties in Pierre and Yankton can run $1,000-$2,500 annually. Rapid Creek properties in Rapid City face moderate premiums due to the 1972 flood history.

Frequently Asked Questions — South Dakota

How bad was the 1972 Rapid City flood?

The June 1972 flood was South Dakota's deadliest disaster, killing 238 people and destroying much of Rapid City. A wall of water from Rapid Creek inundated the city's downtown and surrounding neighborhoods. The disaster led to extensive flood control investments.

Does the Missouri River flood in South Dakota?

Yes. The 2011 Missouri River flood inundated communities along the river including Pierre and Fort Pierre. Releases from upstream dams overwhelmed the river channel causing significant damage to property and infrastructure throughout the central part of the state.

Is flood insurance available in South Dakota?

Yes. South Dakota has approximately 175 NFIP-participating communities. Properties in the Missouri River corridor and Black Hills region face significant flood risk and flood insurance is recommended for those in high-risk zones.

Disclaimer: FloodZoneCheck is a free research tool using public FEMA data, not an official Standard Flood Hazard Determination. Lenders require a certified determination from a licensed provider. Zone boundaries can cross a single parcel — confirm exact risk and insurance requirements with FEMA or your insurer before relying on this for a purchase or insurance decision.

Track Your South Dakota Property

Get alerted if FEMA revises the flood map for your property

Look Up Your Address