Home Insurance in Emery, South Dakota
The median home value in Emery is $152,400, 20% lower than the Hanson County median.
The typical home in Emery was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 17 points above Hanson County's 54%.
In Emery, the housing stock is 93% single-family homes and 2% mobile or manufactured homes.
53% of owner-occupied homes in Emery carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Emery are owner-occupied.
68% of homes in Emery 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.
Hanson County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Hanson 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 | $152,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hanson County | 6 |
| 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)