Home Insurance in Westport, South Dakota
The median home value in Westport is $101,700, 54% lower than the Brown County median.
The typical home in Westport was built around 1945. About 51% of homes were built before 1960, about 16 points above Brown County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Westport breaks down to 100% single-family homes.
About 25% of owner-occupied homes in Westport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Westport has an owner-occupancy rate of 91% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Westport - 97% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Brown County had 137 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $101,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)