FEMA flood zones · South Dakota

Jackson County, South Dakota Flood Zone Map

6 federal flood & hurricane disasters

Less than 1% of Jackson 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 Jackson 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 Jackson County floods

River flooding and flash flooding driven by heavy rainfall, slow-moving storms, and seasonal snowmelt shape the flood risk profile, with the NOAA Storm Events Database recording 21 flood events and 9 flash flood events over the last 30 years.

Recent history illustrates these recurring hazards. In May 2019, a prolonged, record-breaking storm system produced heavy rain and melting snow that caused flooding across creeks, rivers, low-lying areas, and roads. Later, a prolonged rain event in May 2023 dropped three to five inches of rain—with nearly four inches falling in six hours—triggering flooding and flash flooding across the Cheyenne and White River basins, followed by minor flooding along the White River near and downstream from Interior in October 2023.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated near rivers, creeks, and low-lying areas that are vulnerable to overflow and rapid runoff during heavy precipitation events.

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

In their words

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

Federal disasters

28 federal disaster declarations since 1976, 6 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, And FloodingJun 16, 2024
Severe Winter Storms And SnowstormDec 12, 2022
Severe Storm, Straight-line Winds, Tornadoes, And FloodingJun 11, 2022
Severe Storms And FloodingMay 21, 2019
Severe Winter Storm, Snowstorm, And FloodingMar 13, 2019
Severe Winter StormDec 24, 2016
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJun 17, 2015
Severe Winter Storm, Snowstorm, And FloodingOct 3, 2013

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

Recorded flood events

30 since 1996: 9 flash floods and 21 river or area floods.

EventDateDamage
FloodOct 13, 2023—
FloodMay 12, 2023—
Flash FloodJul 29, 2020—
FloodMay 27, 2019—
FloodMay 21, 2019$200,000
FloodMar 18, 2019$250,000
FloodJul 6, 2019—
FloodJul 5, 2019—

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

From the storm reports

Flood · Oct 13, 2023. A significant early Fall storm system brought soaking rains to southern and western portions of South Dakota. Minor flooding occurred along the White River in Jackson County, near and downstream from Interior.

Flood · May 12, 2023. A prolonged rain event over several days led to flooding and flash flooding over the Cheyenne and White River basins. Three to five inches of rain fell, with some locations receiving nearly four inches of rain within six hours on the evening of May 11. As the water flowed into larger rivers, minor flooding was observed.

Flash Flood · Jul 29, 2020. Slow moving and stationary thunderstorms with heavy rain resulted in flash flooding over portions of southwestern South Dakota.

Flood · May 27, 2019. Several days of heavy rain, along with major to record flooding the previous week, led to more flooding across portions of the western South Dakota plains and foothills of the Black Hills. The period of wet weather culminated with heavy rain and thunderstorms over the Rapid City area during the afternoon and evening of May 31, which led to widespread flooded roads.

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 Jackson County

If a building in Jackson 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.