Property Atlas

County hazard profile

Pennington, SD

South Dakota · pop. 109,015 · FIPS 46103

Relatively Low
FEMA risk rating · RATING
Wildfire
dominant hazard
$41M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Pennington $41M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 78.56/100
national median ~50 higher than 79% of counties
Social vulnerabilityRelatively Low 34.64/100
national median ~50 lower than most counties (35th percentile)
Community resilienceRelatively High 70.77/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pennington

The National Flood Insurance Program has paid 135 flood-insurance claims totaling $556K in Pennington since 1978. The costliest year was 2019 ($128K paid).

Flood-insurance dollars paid by year of loss

1978: $1,045 paid 1979: $1,596 paid 1982: $21,617 paid 1983: $0 paid 1986: $8,046 paid 1989: $0 paid 1990: $0 paid 1991: $2,348 paid 1995: $0 paid 1996: $9,296 paid 1997: $43,289 paid 1998: $5,282 paid 1999: $0 paid 2000: $0 paid 2001: $0 paid 2002: $0 paid 2007: $11,711 paid 2008: $71,967 paid 2010: $23,705 paid 2011: $22,878 paid 2013: $8,884 paid 2015: $89,936 paid 2017: $0 paid 2018: $53,642 paid 2019: $128,304 paid 2021: $0 paid 2023: $52,038 paid 2019 · $128K 1978 2023
$556K
total paid
$4,115
average claim
$57K
largest single claim
49%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Pennington, SD and where it ranks among U.S. counties. It is not a verdict on whether Pennington is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.