Home Insurance in Stratford, South Dakota
Homes in Stratford carry a median value of $69,300 - 69% lower than the Brown County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Stratford was built in 1939 or earlier. About 76% of homes were built before 1960, about 41 points above Brown County's 35%.
The housing stock in Stratford is 100% single-family homes.
About 19% of owner-occupied homes in Stratford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stratford has an owner-occupancy rate of 100% and a vacancy rate of 16%; 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. Most homes in Stratford - 71% - are primarily heated with propane.
What's the biggest home insurance risk near Stratford? FEMA's National Risk Index points to winter weather (Very High) in Brown County and 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.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $69,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)