Home Insurance in Verdon, South Dakota
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Verdon is 100% mobile or manufactured homes.
Almost no owner-occupied homes in Verdon carry a mortgage.
All occupied homes in Verdon are owner-occupied.
In Verdon, 100% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Verdon? 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.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| 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)