Data · May 2026 data · 13-month trend
South Dakota Flood Insurance Costs
South Dakota's flood insurance cost index stood at $1,384 in May 2026, measured across policies newly written or renewed that month. Against a national average of $982, the state sits 40.9% higher. That represents a 20.4% increase year over year. Across 237 transactions in 30 counties, the highest county-level average was $5,746 in Hanson County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,384
- Avg total cost (with fees)
- $1,787
- Change (year over year)
- +20.4%
- vs national average
- +40.9%
- Policies written or renewed
- 237
- Counties reporting
- 30
South Dakota trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,149 | $1,507 | 247 | |
| June 2025 | $1,148 | $1,496 | 278 | |
| July 2025 | $1,085 | $1,421 | 240 | |
| August 2025 | $1,096 | $1,443 | 279 | |
| September 2025 | $1,046 | $1,372 | 187 | |
| October 2025 | $1,072 | $1,407 | 178 | |
| November 2025 | $1,240 | $1,630 | 200 | |
| December 2025 | $1,035 | $1,356 | 119 | |
| January 2026 | $1,125 | $1,470 | 137 | |
| February 2026 | $1,133 | $1,477 | 149 | |
| March 2026 | $1,230 | $1,600 | 267 | |
| April 2026 | $1,093 | $1,426 | 286 | |
| May 2026 | $1,384 | $1,787 | 237 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Hanson County | $5,746 | $6,852 | 1 | |
| Brookings County | $2,084 | $2,644 | 4 | |
| Pennington County | $2,082 | $2,646 | 44 | |
| Hughes County | $1,816 | $2,290 | 3 | |
| Turner County | $1,722 | $2,328 | 2 | |
| Butte County | $1,670 | $2,043 | 3 | |
| Stanley County | $1,551 | $1,903 | 11 | |
| Meade County | $1,534 | $1,972 | 10 | |
| Union County | $1,516 | $1,915 | 25 | |
| Grant County | $1,434 | $1,839 | 3 | |
| Yankton County | $1,311 | $1,718 | 9 | |
| Lincoln County | $1,264 | $1,699 | 5 | |
| Beadle County | $1,202 | $1,715 | 1 | |
| Lawrence County | $1,187 | $1,634 | 7 | |
| Minnehaha County | $1,119 | $1,452 | 34 | |
| Davison County | $1,096 | $1,403 | 6 | |
| Brown County | $1,047 | $1,369 | 11 | |
| Codington County | $927 | $1,253 | 31 | |
| Spink County | $927 | $1,166 | 2 | |
| Custer County | $925 | $1,276 | 4 | |
| Lake County | $919 | $1,213 | 8 | |
| Hamlin County | $898 | $1,281 | 3 | |
| Traverse County | $812 | $1,255 | 1 | |
| Day County | $734 | $1,051 | 2 | |
| Clark County | $715 | $1,141 | 1 | |
| Clay County | $572 | $747 | 1 | |
| McCook County | $500 | $662 | 1 | |
| FIPS 46000 | $500 | $662 | 1 | |
| Kingsbury County | $384 | $750 | 1 | |
| Todd County | $329 | $460 | 1 |
Use this data
Download South Dakota CSV (south-dakota.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"South Dakota Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/south-dakota
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.