Home Insurance in Astoria, South Dakota
With a median home value of $117,000, Astoria is 43% lower than the Deuel County median.
The typical home in Astoria was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 15 points above Deuel County's 43%.
In Astoria, the housing stock is 78% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Astoria, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Astoria has an owner-occupancy rate of 80% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
45% of homes in Astoria 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 Astoria? FEMA's National Risk Index points to wildfire (Relatively Low) in Deuel County and Deuel County has no active NFIP flood policies on file. See the full Deuel 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 | $117,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)