Home Insurance in Harding County, South Dakota
With a median home value of $166,100, Harding County is 35% lower than the South Dakota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harding County was built around 1973. About 40% of homes were built before 1960, about 12 points above South Dakota's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harding County is 67% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
About 28% of owner-occupied homes in Harding County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Harding County are owner-occupied.
Most homes in Harding County - 66% - 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.
The top hazards for Harding County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and hail (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Harding County has no 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 | $166,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Very Low) |
| 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)