Home Insurance in Columbia, South Dakota
With a median home value of $96,500, Columbia is 56% lower than 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 Columbia was built around 1953. About 58% of homes were built before 1960, about 24 points above Brown County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Columbia is 82% single-family homes and 15% mobile or manufactured homes.
About 42% of owner-occupied homes in Columbia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Columbia has an owner-occupancy rate of 98% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Columbia are primarily heated with propane.
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 | $96,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)