Marcia Hultman

Cabinet Secretary

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Division of Insurance

Flood Insurance


Flood insurance is administered through the Federal Emergency Management Agency (FEMA) by the federal National Flood Insurance Program. It is different than most homeowner or dwelling policies, which in most cases do not cover flood damage.


Flood Disaster and Insurance Questions and Answers

For FEMA Disaster Assistance, call 800.621.3362. For general flood insurance questions, you may call FEMA General Information at 800.421.4661, your insurance company or agent, or the Division of Insurance.


Helpful Links

South Dakota Disaster Recovery

FEMA National Flood Insurance Program

Filing a Flood Insurance Claim (from

What to Do Before a Flood

What to Do After a Flood


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Contact the Division of Insurance