Home Insurance in Bradley, South Dakota
The median home value in Bradley is $94,200, 41% lower than the Clark County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Bradley was built in 1939 or earlier. About 89% of homes were built before 1960, about 36 points above Clark County's 53%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bradley is 92% single-family homes and 8% mobile or manufactured homes.
32% of owner-occupied homes in Bradley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Bradley are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Bradley are primarily heated with propane.
Clark County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Clark County had 11 active NFIP flood policies as of September 2026. See the full Clark 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 | $94,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Clark County | 11 |
| 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)