FEMA flood zones · South Dakota

Dewey County, South Dakota Flood Zone Map

4 federal flood & hurricane disasters

2% of Dewey County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Dewey County, South Dakota. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Dewey County floods

General flooding driven by river overflows and heavy rainfall dominates Dewey County, supported by 20 recorded flood events and 14 flash flood events over the last 30 years.

Recent history demonstrates the destructiveness of these events. In March 2019, above-normal snowpack melt and ice jamming caused significant river flooding, including the Moreau River near Whitehorse reaching major flood stage nearly 7 feet above flood level. Later, in September 2025, moderate to heavy rainfall combined with saturated soils led to the flooding of several streams and creeks, including Virgin Creek near Promise.

Property owners, residents, and real estate agents located near rivers, streams, and low-lying creeks should pay the closest attention to flood risks in Dewey County, particularly during spring snowmelt and periods of heavy autumn rainfall.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

7 NOAA storm reports from Dewey County describe what happened, in the words of the forecasters who covered it. Read the South Dakota flood stories →

Federal disasters

17 federal disaster declarations since 1976, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm, Snowstorm, And FloodingMar 13, 2019
Severe Winter StormDec 24, 2016
Severe Storms, Tornadoes, And FloodingJun 13, 2014
Severe Winter Storm, Snowstorm, And FloodingOct 3, 2013
Severe Storms, Tornadoes, And FloodingJun 16, 2010
Severe Winter StormJan 20, 2010
Severe Storms And FloodingMar 11, 2009
Severe Winter Storm And Record And Near Record SnowNov 5, 2008

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

34 since 1996: 14 flash floods and 20 river or area floods.

EventDateDamage
FloodSep 18, 2025—
FloodMar 26, 2019—
FloodMar 24, 2019—
FloodMay 1, 2019—
FloodJun 1, 2019—
FloodApr 1, 2019$198,800
Flash FloodAug 12, 2017—
Flash FloodJul 22, 2016—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flood · Sep 18, 2025. Moderate to heavy rainfall occurred across a broad portion of Stanley and Dewey counties. The COOP observer 3 miles west southwest of Wendt would record a 2 day total of 4.94 while the CoCoRaHS observer in Fort Pierre received 4.06 over 3 days. This area had also received about an inch of rainfall on or around the 15th. Rainfall and saturated soils resulted in flooding of several streams and creeks, including the…

Flood · Mar 26, 2019. Much above normal winter snowfall and melt water/ice jams along with heavy rains in the middle of March brought flooding across parts of central and northeast South Dakota for late March. Rivers and creeks flooded across much of the area along with many fields and roads. The flooding damaged many of the roads and culverts across the region. Some structures were also flooded. Lake levels also rose threatening homes…

Flood · Mar 24, 2019. Much above normal snow pack melt water and ice jamming brought flooding on the the Grand, Moreau, and Bad rivers across Corson, Dewey, Jones, and Stanley counties at the end of March. The Grand River at Little Eagle rose to moderate flood stage, nearly 4 and half feet above the flood stage of 15 feet. The Moreau River near Whitehorse rose to major flood stage, almost 28 feet or 7 feet above flood stage. The Bad Ri…

Flood · May 1, 2019. March and April snowmelt and heavy rain flooding along with above normal May precipitation resulted in hundreds of thousands of acres of crops damaged or delayed/unplanted across central and northeast South Dakota. The widespread flooding continued into June with millions of dollars of loss.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Dewey County

If a building in Dewey County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.