Home Insurance in Custer, South Dakota
Homes in Custer carry a median value of $235,600 - 37% lower than the Custer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Custer was built around 1971. About 40% of homes were built before 1960, about 20 points above Custer County's 19%.
In Custer, the housing stock is 67% single-family homes, 16% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Custer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Custer has an owner-occupancy rate of 70% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
46% of homes in Custer are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Custer County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Custer County had 51 active NFIP flood policies as of September 2026. See the full Custer County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $235,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Custer County | 51 |
| 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)