Home Insurance in Hosmer, South Dakota
Homes in Hosmer carry a median value of $59,600 - 64% lower than the Edmunds County median.
The typical home in Hosmer was built around 1949. About 64% of homes were built before 1960, about 21 points above Edmunds County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hosmer, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hosmer, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Hosmer are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hosmer, 44% of homes are primarily heated with fuel oil.
Edmunds County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Edmunds County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $59,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)