Home Insurance in Hanson County, South Dakota
Homes in Hanson County carry a median value of $191,200 - 26% lower than the South Dakota median.
The typical home in Hanson County was built around 1956. About 54% of homes were built before 1960, about 27 points above South Dakota's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hanson County, the housing stock is 93% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hanson County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Hanson County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hanson County, 39% of homes are primarily heated with propane.
FEMA's National Risk Index lists hail (Relatively Low), winter weather (Relatively Low) and wildfire (Very Low) as the leading hazards for Hanson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hanson County has 6 active NFIP flood policies on file.
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 | $191,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 6 |
| 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)