Home Insurance in Twin Brooks, South Dakota
The median home value in Twin Brooks is $75,800, 56% lower than the Grant County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Twin Brooks was built around 1966. About 38% of homes were built before 1960, in line with Grant County (38%).
The housing stock in Twin Brooks is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Twin Brooks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Twin Brooks are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Twin Brooks - 76% - are primarily heated with propane.
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.
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 | $75,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)