Home Insurance in Day County, South Dakota
Homes in Day County carry a median value of $173,600 - 33% lower than the South Dakota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Day County was built around 1967. About 44% of homes were built before 1960, about 16 points above South Dakota's 28%.
In Day County, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Day County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Day County has an owner-occupancy rate of 75% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Day County are primarily heated with electricity.
The top hazards for Day County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Day County has 14 active NFIP flood insurance policies. 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 | $173,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 14 |
| 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)