Home Insurance in Hand County, South Dakota
With a median home value of $159,300, Hand County is 38% lower than the South Dakota median.
The typical home in Hand County was built around 1966. About 45% of homes were built before 1960, about 17 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hand County, the housing stock is 82% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hand County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hand County has an owner-occupancy rate of 65% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Hand County are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Hand County.
Hand County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $159,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)