Home Insurance in Aberdeen, South Dakota
Homes in Aberdeen carry a median value of $217,300 - close to the Brown County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Aberdeen was built around 1972. About 36% of homes were built before 1960, about 1 point above Brown County's 35%.
The housing stock in Aberdeen is 59% single-family homes, 29% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Aberdeen, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aberdeen has an owner-occupancy rate of 62% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Aberdeen, 53% of homes are primarily heated with natural gas.
Brown County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Brown County had 137 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $217,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Brown County | 137 |
| 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)