Home Insurance in Hecla, South Dakota
With a median home value of $47,100, Hecla is 79% lower than the Brown County median.
The typical home in Hecla was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 14 points above Brown County's 35%.
The housing stock in Hecla is 82% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 5% of owner-occupied homes in Hecla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hecla has an owner-occupancy rate of 94% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Hecla - 73% - 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 Brown County's overall risk as Relatively Low, led by winter weather (Very High). 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 | $47,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 5% |
| 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)