Home Insurance in Wagner, South Dakota
Homes in Wagner carry a median value of $136,000 - 20% 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 Wagner was built around 1959. About 51% of homes were built before 1960, about 9 points above Charles Mix County's 42%.
In Wagner, the housing stock is 74% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
31% of owner-occupied homes in Wagner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Wagner are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wagner, 48% of homes are primarily heated with electricity.
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.
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 | $136,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)