South Dakota Home InsuranceFlood insurance discounts in South Dakota
Flood discounts in South Dakota
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 232 South Dakota communities in the National Flood Insurance Program, 8 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Sioux Falls | 6 | 20% |
| Watertown | 7 | 15% |
| Rapid City | 7 | 15% |
| Madison | 8 | 10% |
| Aberdeen | 9 | 05% |
Source: FEMA NFIP Community Status Book.
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