Home Insurance in Hazel, South Dakota
Homes in Hazel carry a median value of $145,800 - 30% lower than the Hamlin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Hazel was built in 1939 or earlier. About 58% of homes were built before 1960, about 14 points above Hamlin County's 44%.
In Hazel, the housing stock is 100% single-family homes.
About 60% of owner-occupied homes in Hazel have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hazel has an owner-occupancy rate of 96% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Hazel - 98% - are primarily heated with natural gas.
Hamlin County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Hamlin 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 | $145,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)