Home Insurance in Gary, South Dakota
Homes in Gary carry a median value of $101,700 - 51% lower than the Deuel County median.
The typical home in Gary was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 17 points above Deuel County's 43%.
The housing stock in Gary is 81% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 27% of owner-occupied homes in Gary have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gary has an owner-occupancy rate of 79% and a vacancy rate of 13%; 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. 60% of homes in Gary are primarily heated with propane.
What's the biggest home insurance risk near Gary? 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 | $101,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)