Home Insurance in Goodwin, South Dakota
With a median home value of $188,500, Goodwin is 8% lower than the Deuel County median.
The typical home in Goodwin was built around 1976. About 33% of homes were built before 1960, about 9 points below Deuel County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Goodwin is 85% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Goodwin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Goodwin has an owner-occupancy rate of 91% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
78% of homes in Goodwin are primarily heated with natural gas.
Deuel County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 | $188,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)