Is Harding County, SD in a flood zone?
FEMA's National Risk Index puts Harding County's flood hazard at the 3.5th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Harding County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Harding County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Harding County ranks
Harding County sits at rank 3041 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 3089 of 3144 by population (1 is biggest). About 1,325 people live in Harding County, South Dakota, spread over 2,671.57 square miles.
What to do next if you own or are buying in Harding County
FEMA counts 1,941 residential structures in Harding County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Harding County's numbers. See the data quality guide for why Harding County, like hundreds of other counties, doesn't get a clean compliance percentage.