How much flood risk does Spink County actually carry?
Spink County lands at the 25.3th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Spink County
Out of 258 homes FEMA counts inside Spink County's mapped flood zone, 9 carry the flood policy federal law requires there — 3.5% compliance, short of full coverage. Across all residential structures in Spink County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Spink County compares nationally
Spink County sits at rank 2395 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2721 of 3144 by population (1 is biggest). Spink County, South Dakota covers 1,503.499 square miles and counts roughly 6,108 residents.
Your street may differ from Spink County's average
FEMA counts 5,614 residential structures in Spink County overall, 14 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 Spink County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.