Home Insurance in Bon Homme County, South Dakota
Homes in Bon Homme County carry a median value of $134,100 - 48% lower than the South Dakota median.
The typical home in Bon Homme County was built around 1958. About 52% of homes were built before 1960, about 25 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bon Homme County, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bon Homme County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bon Homme County has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Bon Homme County, 45% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Bon Homme County, per FEMA's National Risk Index, are winter weather (Relatively Low), wildfire (Very Low) and hail (Relatively Low).
Bon Homme County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $134,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)