Home Insurance in Fruitdale, South Dakota
With a median home value of $164,400, Fruitdale is 33% lower than the Butte County median.
The median home in Fruitdale was built in 1939 or earlier. About 90% of homes were built before 1960, about 62 points above Butte County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Fruitdale breaks down to 100% single-family homes.
About 16% of owner-occupied homes in Fruitdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Fruitdale are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fruitdale, 47% of homes are primarily heated with wood.
FEMA rates Butte County's overall risk as Very Low, led by wildfire (Relatively Low). Butte County had 30 active NFIP flood policies as of September 2026. See the full Butte 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 | $164,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Butte County | 30 |
| 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)