Home Insurance in Hitchcock, South Dakota
With a median home value of $81,000, Hitchcock is 54% lower than the Beadle County median.
The typical home in Hitchcock was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 23 points below Beadle County's 47%.
The housing stock in Hitchcock is 74% single-family homes. The rest are 2-4 unit or other housing types.
22% of owner-occupied homes in Hitchcock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Hitchcock are owner-occupied.
Most homes in Hitchcock - 56% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hitchcock? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Beadle County and Beadle County had 16 active NFIP flood policies as of September 2026. See the full Beadle County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $81,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Beadle County | 16 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)