Home Insurance in Strandburg, South Dakota
With a median home value of $104,200, Strandburg is 39% lower than the Grant County median.
The typical home in Strandburg was built around 1942. About 100% of homes were built before 1960, about 62 points above Grant County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Strandburg is 100% single-family homes.
About 67% of owner-occupied homes in Strandburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Strandburg are owner-occupied.
Most homes in Strandburg - 71% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grant County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Grant County had 19 active NFIP flood policies as of September 2026. See the full Grant 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 | $104,200 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Grant County | 19 |
| 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)