Home Insurance in Bushnell, South Dakota
The median home value in Bushnell is $90,000, 66% lower than the Brookings County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Bushnell was built in 1939 or earlier. About 60% of homes were built before 1960, about 36 points above Brookings County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bushnell is 87% single-family homes and 10% mobile or manufactured homes.
21% of owner-occupied homes in Bushnell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Bushnell are owner-occupied.
In Bushnell, 87% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Brookings County's overall risk as Relatively Low, led by winter weather (Relatively High). Brookings County had 68 active NFIP flood policies as of September 2026. See the full Brookings 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 | $90,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Brookings County | 68 |
| 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)