Home Insurance in Bryant, South Dakota
The median home value in Bryant is $143,400, 31% lower than the Hamlin County median.
The typical home in Bryant was built around 1955. About 58% of homes were built before 1960, about 14 points above Hamlin County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bryant, the housing stock is 92% single-family homes and 6% apartments in buildings with 5+ units.
In Bryant, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Bryant are owner-occupied.
Most homes in Bryant - 82% - are primarily heated with natural gas.
FEMA rates Hamlin County's overall risk as Very Low, led by hail (Relatively Low). Hamlin County had 68 active NFIP flood policies as of September 2026. See the full Hamlin 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 | $143,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hamlin County | 68 |
| 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)