Home Insurance in Brookings County, South Dakota
Homes in Brookings County carry a median value of $264,600 - close to the South Dakota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brookings County was built around 1983. About 24% of homes were built before 1960, about 3 points below 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 Brookings County is 65% single-family homes, 23% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 56% of owner-occupied homes in Brookings County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brookings County has an owner-occupancy rate of 57% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
45% of homes in Brookings County 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.
FEMA's National Risk Index lists winter weather (Relatively High), tornado (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Brookings County.
As of September 2026, Brookings County has 68 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $264,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 68 |
| 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)