Home Insurance in Pierpont, South Dakota
The median home value in Pierpont is $75,000, 57% lower than the Day County median.
The median home in Pierpont was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 78% of homes were built before 1960, about 34 points above Day County's 44%.
The housing stock in Pierpont is 100% single-family homes.
In Pierpont, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pierpont has an owner-occupancy rate of 82% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Pierpont - 65% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Day County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $75,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)