Home Insurance in Beadle County, South Dakota
The median home value in Beadle County is $175,100, 32% lower than the South Dakota median.
The typical home in Beadle County was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 19 points above South Dakota's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beadle County is 77% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Beadle County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Beadle County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Beadle County are primarily heated with natural gas.
The top hazards for Beadle County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Beadle County has 16 active NFIP flood policies on file.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $175,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 16 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)