McCook County, SD flood risk explained
Flood hazard in McCook County sits at the 58.4th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
McCook County's flood-insurance compliance gap
15.2% of the homes FEMA requires to carry flood insurance in McCook County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 15 policies against 99 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in McCook County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How McCook County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, McCook County ranks 1370 — 1 being the highest hazard nationally — and 2753 by population among all 3144 counties covered here, where 1 is the largest. About 5,771 people live in McCook County, South Dakota, spread over 574.205 square miles.
Your street may differ from McCook County's average
Across all of McCook County's 5,466 residential structures, 20 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where McCook County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.