Moody County, SD flood risk explained
Flood hazard in Moody County sits at the 26.1th national percentile, 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 2.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Moody County's flood-insurance compliance gap
Out of 165 homes FEMA counts inside Moody County's mapped flood zone, 13 carry the flood policy federal law requires there — 7.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Moody County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Moody County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Moody County ranks 2370 — 1 being the highest hazard nationally — and 2701 by population among all 3144 counties covered here, where 1 is the largest. Moody County, South Dakota covers 519.379 square miles and counts roughly 6,529 residents.
What to do next if you own or are buying in Moody County
Across all of Moody County's 4,351 residential structures, 16 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Moody 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.