Home Insurance in Nisland, South Dakota
With a median home value of $87,100, Nisland is 64% lower than the Butte County median.
The typical home in Nisland was built around 1972. About 39% of homes were built before 1960, about 11 points above Butte County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Nisland is 46% single-family homes and 54% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 16% of owner-occupied homes in Nisland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nisland has an owner-occupancy rate of 81% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Nisland, 55% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Butte County had 30 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). 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 | $87,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| 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)