Home Insurance in Brandt, South Dakota
With a median home value of $80,000, Brandt is 61% lower than the Deuel County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brandt was built around 1947. About 64% of homes were built before 1960, about 22 points above Deuel County's 43%.
The housing stock in Brandt is 92% single-family homes and 3% mobile or manufactured homes.
About 50% of owner-occupied homes in Brandt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Brandt are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Brandt are primarily heated with propane.
What's the biggest home insurance risk near Brandt? 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 | $80,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)