FEMA flood zones · South Dakota

Potter County, South Dakota Flood Zone Map

7 federal flood & hurricane disasters

Less than 1% of Potter 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 Potter 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 Potter County floods

Flooding from heavy spring snowmelt and seasonal rains defines the primary flood risk for Potter County, South Dakota. Over a 30-year period, NOAA records document 10 general flood events and 9 flash flood events.

Significant regional flooding occurred in March and April 2019, driven by well-above-normal winter snowfall, heavy rains, ice jams, and subsequent snowmelt that flooded fields, roads, culverts, bridges, and structures while delaying crop planting. A similar deep snowpack and rapid warming pattern caused extensive spring flooding across the region in April 2023. Continued spring melt and above-normal rainfall prolonged these conditions through June 2019, resulting in extensive agricultural damage and millions of dollars in crop losses across central and northeast South Dakota.

Property owners and residents located near rivers, creeks, low-lying fields, and rural roads subject to ice jams and rapid snowmelt should pay the most attention to flood risk in this area.

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

In their words

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

Federal disasters

41 federal disaster declarations since 1976, 7 of them floods, coastal storms or hurricanes.

DisasterBegan
FloodingApr 9, 2023
Severe Winter Storms And SnowstormDec 12, 2022
Severe Winter Storm, Snowstorm, And FloodingMar 13, 2019
FloodingMar 11, 2011
Severe Winter StormJan 20, 2010
Hurricane Katrina EvacuationSep 6, 2005
Severe StormJun 7, 2005
Severe Flooding, Sever Winter Storms,heavy Rains High WindsFeb 3, 1997

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

Recorded flood events

19 since 1996: 9 flash floods and 10 river or area floods.

EventDateDamage
FloodApr 10, 2023$150,000
FloodMar 25, 2019—
FloodMay 1, 2019—
FloodJun 1, 2019—
FloodApr 1, 2019$109,500
Flash FloodJul 22, 2018—
Flash FloodJul 25, 2015—
FloodJun 20, 2011—

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

From the storm reports

Flood · Apr 10, 2023. The snowfall during the season in northeast and central South Dakota exceeded normal levels, with many locations ranking among the top 10 for the snowiest seasons. Additionally, the late spring conditions were unusually cold, resulting in a persistent and exceptionally deep snowpack until early April. The depth of the snowpack ranged from 15 to 30 plus inches, containing approximately 4 to 8 inches of snow water e…

Flood · Mar 25, 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 · 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.

Flood · Jun 1, 2019. Spring snowmelt and heavy rain flooding from March, April, and May continued into June. This combined with above normal June rainfall resulted in hundreds of thousands of acres of crops damaged or unplanted across central and northeast South Dakota. For the entire state of South Dakota, nearly 4 million acres of crops were left unplanted as a result of the flooding. Total damaged or unplanted crop loss estimates f…

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 Potter County

If a building in Potter 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.