Home Insurance in Charles Mix County, South Dakota
With a median home value of $170,600, Charles Mix County is 34% lower than the South Dakota median.
The typical home in Charles Mix County was built around 1971. About 42% of homes were built before 1960, about 14 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Charles Mix County, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Charles Mix County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Charles Mix County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
46% of homes in Charles Mix County are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Moderate) as the leading hazards for Charles Mix County.
Charles Mix County had 3 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $170,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)