Home Insurance in Ree Heights, South Dakota
Homes in Ree Heights carry a median value of $18,100 - 89% lower than the Hand County median.
The median home in Ree Heights was built in 1939 or earlier. About 68% of homes were built before 1960, about 24 points above Hand County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ree Heights is 86% single-family homes and 14% mobile or manufactured homes.
Almost no owner-occupied homes in Ree Heights carry a mortgage.
Ree Heights has an owner-occupancy rate of 100% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
In Ree Heights, 89% of homes are primarily heated with propane. Homes heated with propane 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 | $18,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)