Home Insurance in Artas, South Dakota
In Artas, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Artas carry a mortgage.
All occupied homes in Artas are owner-occupied. The vacancy rate is 70%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
100% of homes in Artas are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Campbell County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Campbell 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
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Campbell County | 1 |
| 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)