Home Insurance in Tyndall, South Dakota
With a median home value of $101,500, Tyndall is 24% lower than the Bon Homme County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tyndall was built around 1949. About 58% of homes were built before 1960, about 6 points above Bon Homme County's 52%.
In Tyndall, the housing stock is 83% single-family homes, 12% 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.
About 33% of owner-occupied homes in Tyndall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Tyndall are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tyndall, 46% of homes are primarily heated with electricity.
Bon Homme County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Bon Homme County had 1 active NFIP flood policy as of September 2026. See the full Bon Homme County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $101,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Bon Homme County | 1 |
| 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)