The City of Spearfish recognizes the inherent flood risk of Spearfish Creek and other potential flood tributaries which flow through the city. In 1976, the common council requested voluntary participation in the National Flood Insurance Program (NFIP) and adopted the “permanent” program in 1981.

National Flood Insurance Program

By participating in the NFIP the City agrees to manage all new development and improvements in the floodplain and in exchange federally backed flood insurance is available to everyone.

Flood damage can be costly and is not covered under most homeowner’s insurance policies.  It is important to understand your flood risk and take steps to insure against potential financial loss. Talk to your insurance agent for more information or stop by the Floodplain Office.

Floodplain Development

Community Rating System

To encourage communities to establish sound floodplain management programs that go beyond the NFIP minimum requirements, in 1990 the Community Rating System (CRS) was created by Federal Emergency Management Agency (FEMA). City of Spearfish participates in the CRS program and as of May 2014, has achieved a Class 9 Rating, which awards residents in the community with up to a 5% discount on flood insurance premiums.

Floodplain Development Permits

Floodplain development permits are required to be obtained for any work done within the Special Flood Hazard Areas (SFHAs). This includes but is not limited to placement of fill, remodeling of existing structures, and new construction of structures including storage sheds and fences.

Even if the work is not subject to needing a building permit it is still necessary to obtain a floodplain development permit.