Home Insurance in Bowdle, South Dakota
Homes in Bowdle carry a median value of $112,500 - 31% lower than the Edmunds County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bowdle was built around 1965. About 46% of homes were built before 1960, about 3 points above Edmunds County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bowdle is 75% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Bowdle, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Bowdle are owner-occupied.
In Bowdle, 54% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Bowdle? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Edmunds County and Edmunds County had 1 active NFIP flood policy as of September 2026. See the full Edmunds County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Edmunds County | 1 |
| 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)