Home Insurance in Grenville, South Dakota
The median home value in Grenville is $41,400, 76% lower than the Day County median.
The median home in Grenville was built in 1939 or earlier. About 91% of homes were built before 1960, about 47 points above Day County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Grenville breaks down to 100% single-family homes.
18% of owner-occupied homes in Grenville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Grenville are owner-occupied.
Most homes in Grenville - 100% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Grenville? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Day County and Day County had 14 active NFIP flood policies as of September 2026. See the full Day 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 | $41,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Day County | 14 |
| 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)