Home Insurance in Edgemont, South Dakota
Homes in Edgemont carry a median value of $103,000 - 47% lower than the Fall River County median.
The typical home in Edgemont was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 22 points above Fall River County's 43%.
In Edgemont, the housing stock is 81% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edgemont, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edgemont has an owner-occupancy rate of 87% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Edgemont are primarily heated with propane.
What's the biggest home insurance risk near Edgemont? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Fall River County and Fall River County had 9 active NFIP flood policies as of September 2026. See the full Fall River 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 | $103,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Fall River County | 9 |
| 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)