Home Insurance in Geddes, South Dakota
Homes in Geddes carry a median value of $88,100 - 48% lower than the Charles Mix County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Geddes was built around 1952. About 54% of homes were built before 1960, about 13 points above Charles Mix County's 42%.
The housing stock in Geddes is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Geddes, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Geddes are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Geddes are primarily heated with propane.
Charles Mix County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Charles Mix County had 3 active NFIP flood policies as of September 2026. See the full Charles Mix 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 | $88,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Charles Mix County | 3 |
| 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)