Home Insurance in Miller, South Dakota
Homes in Miller carry a median value of $155,200 - close to the Hand County median.
The typical home in Miller was built around 1967. About 42% of homes were built before 1960, about 3 points below Hand County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Miller, the housing stock is 73% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Miller, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Miller are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Miller - 50% - 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.
Hand County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Hand County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $155,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Hand County | 1 |
| 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)