Home Insurance in Yale, South Dakota
Homes in Yale carry a median value of $151,700 - 13% lower than the Beadle County median.
The median home in Yale was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 66% of homes were built before 1960, about 20 points above Beadle County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yale is 88% single-family homes and 6% mobile or manufactured homes.
62% of owner-occupied homes in Yale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Yale has an owner-occupancy rate of 85% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Yale - 74% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Beadle County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $151,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)