Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in South Dakota
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
South Dakota ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Pennington County | $892 | Relatively Low | $270,400 |
| 2 | Minnehaha County | $1,259 | Relatively Moderate | $266,600 |
| 3 | Hughes County | $1,354 | Very Low | $221,100 |
| 4 | Lawrence County | $1,367 | Relatively Low | $310,800 |
| 5 | Davison County | $1,520 | Very Low | $190,000 |
| 6 | Lincoln County | $1,564 | Relatively Low | $323,500 |
| 7 | Brookings County | $1,762 | Relatively Low | $246,300 |
| 8 | Meade County | $1,838 | Relatively Low | $274,800 |
| 9 | Bennett County | $1,846 | Very Low | $138,600 |
| 10 | Butte County | $1,920 | Very Low | $207,700 |
| 11 | Fall River County | $1,964 | Very Low | $176,300 |
| 12 | Yankton County | $1,976 | Relatively Low | $208,200 |
| 13 | Codington County | $2,014 | Relatively Low | $218,000 |
| 14 | Clay County | $2,094 | Very Low | $221,800 |
| 15 | Custer County | $2,175 | Very Low | $327,200 |
| 16 | Beadle County | $2,186 | Relatively Low | $178,400 |
| 17 | Brown County | $2,238 | Relatively Low | $212,900 |
| 18 | Union County | $2,291 | Very Low | $269,500 |
| 19 | Roberts County | $2,358 | Very Low | $139,100 |
| 20 | Perkins County | $2,506 | Very Low | $105,900 |
| 21 | Todd County | $2,508 | Very Low | $45,200 |
| 22 | Lake County | $2,529 | Very Low | $231,000 |
| 23 | Bon Homme County | $2,981 | Very Low | $120,300 |
| 24 | Turner County | $3,017 | Very Low | $199,000 |
| 25 | Mellette County | $3,025 | Very Low | $63,000 |
| 26 | Deuel County | $3,049 | Very Low | $180,100 |
| 27 | Day County | $3,062 | Very Low | $155,100 |
| 28 | Oglala Lakota County | $3,119 | Relatively Low | $45,600 |
| 29 | Clark County | $3,199 | Very Low | $141,900 |
| 30 | Hamlin County | $3,204 | Very Low | $207,700 |
| 31 | Hand County | $3,206 | Very Low | $152,100 |
| 32 | Faulk County | $3,283 | Very Low | $124,100 |
| 33 | Kingsbury County | $3,288 | Very Low | $159,600 |
| 34 | Edmunds County | $3,354 | Very Low | $163,600 |
| 35 | Stanley County | $3,370 | Very Low | $169,900 |
| 36 | Moody County | $3,522 | Very Low | $206,300 |
| 37 | Grant County | $3,590 | Very Low | $179,400 |
| 38 | Tripp County | $3,651 | Very Low | $137,100 |
| 39 | Marshall County | $3,666 | Very Low | $147,200 |
| 40 | Hanson County | $3,752 | Very Low | $192,400 |
| 41 | Spink County | $3,949 | Very Low | $117,400 |
| 42 | McPherson County | $4,109 | Very Low | $78,400 |
| 43 | Sanborn County | $4,133 | Very Low | $138,500 |
| 44 | Walworth County | $4,270 | Very Low | $130,000 |
| 45 | Charles Mix County | $4,395 | Relatively Low | $169,200 |
| 46 | Gregory County | $4,568 | Very Low | $129,000 |
| 47 | Harding County | $4,603 | Very Low | $156,400 |
| 48 | Hyde County | $4,970 | Very Low | $134,500 |
| 49 | Lyman County | $5,004 | Very Low | $156,500 |
| 50 | Miner County | $5,119 | Very Low | $114,100 |
| 51 | Jerauld County | $5,147 | Very Low | $127,000 |
| 52 | Potter County | $5,264 | Very Low | $121,300 |
| 53 | Douglas County | $5,371 | Very Low | $125,000 |
| 54 | Jones County | $5,903 | Very Low | $117,100 |
| 55 | Campbell County | $6,110 | Very Low | $87,900 |
| 56 | Ziebach County | $6,245 | Very Low | $101,700 |
| 57 | Haakon County | $6,371 | Very Low | $153,200 |
| 58 | Hutchinson County | $6,372 | Relatively Low | $160,500 |
| 59 | Corson County | $6,390 | Very Low | $73,800 |
| 60 | Aurora County | $7,812 | Very Low | $129,000 |
| 61 | Sully County | $8,357 | Very Low | $198,700 |
| 62 | Buffalo County | $8,553 | Very Low | $108,000 |
| 63 | McCook County | $9,641 | Relatively Low | $217,300 |
| 64 | Brule County | $9,925 | Relatively Low | $205,500 |
| 65 | Dewey County | $13,144 | Relatively Low | $75,400 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in South Dakota